<SEC-DOCUMENT>0001104659-24-050410.txt : 20240423
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<ACCEPTANCE-DATETIME>20240423095909
ACCESSION NUMBER:		0001104659-24-050410
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20240423
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240423
DATE AS OF CHANGE:		20240423

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:		24862988

	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_908_edei--DocumentType_c20240423__20240423_zejXPdB9nLK5"><ix:nonNumeric contextRef="AsOf2024-04-23" id="Fact000010" 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"></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_90E_edei--DocumentPeriodEndDate_c20240423__20240423_ziBBCDyBMXC1"><ix:nonNumeric contextRef="AsOf2024-04-23" format="ixt:datemonthdayyearen" id="Fact000011" name="dei:DocumentPeriodEndDate">April 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">&#160;<img src="tm2412446d1_8kimg001.jpg" alt=""/></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">(Exact name of registrant as specified in
its charter)</p>

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Registrant&#8217;s telephone number, including area code: <b>(<span id="xdx_906_edei--CityAreaCode_c20240423__20240423_zwS1vxlZCgPi"><ix:nonNumeric contextRef="AsOf2024-04-23" id="Fact000019" 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>

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<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>
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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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    <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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    <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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<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_903_edei--EntityEmergingGrowthCompany_c20240423__20240423_zsw7vKNbUhaj"><ix:nonNumeric contextRef="AsOf2024-04-23" format="ixt:booleanfalse" id="Fact000028" 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>

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

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

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

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<td style="width: 0"/><td style="width: 1in"><b>Item 2.02</b></td><td><b>Results of Operations and Financial Condition.</b></td></tr></table>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On April 23, 2024, Community Bank System, Inc.
announced its results of operations for the quarter ended March 31, 2024. 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>

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<td style="width: 0"/><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 style="width: 0.5in"><a href="tm2412446d1_ex99-1.htm" style="-sec-extract: exhibit">99.1</a></td><td><a href="tm2412446d1_ex99-1.htm" style="-sec-extract: exhibit">Press Release, dated April 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>

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

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

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

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

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 256.5pt; text-indent: -31.5pt">&#160;</p>

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

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<td style="padding-right: -0.5in; padding-left: 5.4pt; font-size: 10pt">&#160;</td></tr>
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<td style="padding-right: 5.4pt; padding-left: 5.4pt"><a href="tm2412446d1_ex99-1.htm" style="-sec-extract: exhibit">99.1</a></td>
<td style="padding-right: 4.5pt; padding-left: 5.4pt; font-size: 10pt"><a href="tm2412446d1_ex99-1.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Press Release, dated April 23, 2024, issued by Community Bank System, Inc.</span></a></td></tr>
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<td style="padding-right: -0.5in; padding-left: 5.4pt; font-size: 10pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">104</span></td>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Exhibit 99.1</B></FONT></P>

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

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    <TD STYLE="width: 52%; padding-right: 5.4pt; padding-left: 5.4pt; font: 11pt Calibri, Helvetica, Sans-Serif">&nbsp;<IMG SRC="tm2413446d1_ex99-1img001.jpg" ALT=""></TD>
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    <TD STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">5790 Widewaters Parkway, DeWitt, N.Y. 13214</FONT></TD>
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<P STYLE="font: small-caps 10.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="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">Community Bank System, Inc. Reports
First Quarter 2024 Results</P>

<P STYLE="font: small-caps bold 10.5pt Palatino Linotype, Palatino, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0">SYRACUSE, N.Y. &mdash; April 23, 2024 &mdash; Community Bank System,
Inc. (the &ldquo;Company&rdquo;) (NYSE: CBU) reported first quarter 2024 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.</P>

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

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0"><U>First Quarter 2024 Performance Summary</U></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol; font-size: 10.5pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10.5pt"><I>Net income of $40.9 million, or $0.76 per fully diluted share, increased $35.1 million, or $0.65
per fully diluted share, from the prior year&rsquo;s first quarter and increased $7.2 million, or $0.13 per fully diluted share, from
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<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt"><I>&nbsp;</I></P>

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<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol; font-size: 10.5pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10.5pt"><I>Operating net income, a non-GAAP measure that excludes the after-tax effects of acquisition expenses,
acquisition-related contingent consideration adjustments, restructuring expenses, litigation accrual, gain on debt extinguishment, loss
on sales of investment securities, unrealized gain (loss) on equity securities and amortization of intangible assets from net income,
of $43.8 million, or $0.82 per fully diluted share, decreased $5.9 million, or $0.10 per fully diluted share, from the prior year&rsquo;s
first quarter and was consistent with the fourth quarter of 2023</I></FONT></TD></TR></TABLE>

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

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<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol; font-size: 10.5pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10.5pt"><I>Total revenues of $177.3 million, a new quarterly record for the Company, increased $52.8 million,
or 42.4%, from the prior year&rsquo;s first quarter that included a $52.3 million pre-tax realized loss on sales of investment securities,
and increased $0.3 million, or 0.2%, from the fourth quarter of 2023</I></FONT></TD></TR></TABLE>

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quarter and increased $2.5 million, or 5.0%, from the fourth quarter of 2023</I></FONT></TD></TR></TABLE>

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credit losses, acquisition expenses, acquisition-related contingent consideration adjustments, restructuring expenses, litigation accrual,
gain on debt extinguishment, loss on sales of investment securities, unrealized gain (loss) on equity securities and amortization of intangible
assets from income before income taxes, of $62.9 million, or $1.18 per fully diluted share, decreased $3.4 million, or $0.04 per fully
diluted share, from the prior year&rsquo;s first quarter and increased $2.4 million, or $0.05 per fully diluted share, from the fourth
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the eleventh consecutive quarter of loan growth, and increased $901.2 million, or 10.0%, from the end of the prior year&rsquo;s first
quarter</I></FONT></TD></TR></TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10.5pt">Company management will conduct an
investor call at 11:00 a.m. (ET) today, April 23, 2024, to discuss the first quarter 2024 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:</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-size: 10.5pt; color: Blue"><U>https://app.webinar.net/OXrxVp7w7PM</U></FONT><FONT STYLE="font-size: 10.5pt">.</FONT></P>

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

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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

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

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0">Community Bank System, Inc. is a diversified financial services company
that is focused on four main business lines &ndash; banking, employee benefit services, insurance services and wealth management. Its
banking subsidiary, Community Bank, N.A., is among the country&rsquo;s 100 largest banking institutions with over $15 billion in assets
and operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts.
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 75 U.S. insurance agency. The Company also offers comprehensive financial planning, trust administration
and wealth management services through its Community Bank Wealth Management operating unit.</P>

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<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0">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>



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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="tm2413446d1_ex99-1img001.jpg" ALT="">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; 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: Arial, Helvetica, Sans-Serif"><B><U>News
    Release</U></B></FONT></P>
    <P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: 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 7pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-variant: normal; font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: small-caps bold 16pt Proxima Nova Rg; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Community
Bank System, Inc. Reports First Quarter 2024 Results</FONT></P>

<P STYLE="font: small-caps 7pt Palatino Linotype, Palatino, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">SYRACUSE, N.Y. &mdash; April
23, 2024</FONT></P>

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

<P STYLE="font: 10pt Proxima Nova Rg; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding: 5pt; border: Black 1pt solid; background-color: rgb(223,83,44); text-align: center; width: 100%"><P STYLE="font: 9.5pt Proxima Nova Rg; text-align: left; margin-top: 0pt; margin-bottom: 0pt; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Community
                                            Bank System, Inc. (the &ldquo;Company&rdquo;) (NYSE: CBU) reported first quarter 2024 net
                                            income of $40.9 million, or $0.76 per fully diluted share and non-GAAP operating net income
                                            of $43.8 million, or $0.82 per fully diluted share.&nbsp;</FONT></P>
</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: 9.5pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&ldquo;Our
                                            Company continued to execute on our below average risk investment profile through our diverse
                                            revenue streams, solid core funding and regulatory capital position, strong credit and robust
                                            liquidity levels. For the second consecutive quarter the overall Company established a new
                                            record for quarterly revenues, despite the continued pressure on funding costs,&rdquo; commented
                                            Dimitar A. Karaivanov, President and CEO.</FONT></P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 9.5pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&ldquo;Strong results in
our market-sensitive recurring fee income businesses mitigated margin pressure in our banking business and growth in operating expenses
moderated as expected. While quantitative credit metrics remain very strong and improved during the quarter, we modestly increased our
qualitative assessment of future uncertainty and proactively added to our reserves. The Company&rsquo;s operating pre-tax, pre-provision
net revenue per share, a non-GAAP measure, was up $0.05, or 4.4%, over the linked fourth quarter, demonstrating solid improvement in
the Company&rsquo;s core operating performance.</FONT></P>

<P STYLE="font: 9.5pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 9.5pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Looking forward, we anticipate
continued growth in revenues with controlled expenses, moderation of funding costs and normalization of the credit environment.&rdquo;</FONT></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #DF532C">
    <TD STYLE="padding: 5pt 5pt 13pt; width: 100%; border: black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: white">During the first quarter of 2024, the Company modified the presentation of its non-GAAP operating results to exclude amortization of intangible assets which the Company believes better reflects core performance across its segments and enhances comparability to both banking and non-banking organizations. The prior periods have been recast to conform to the current period presentation.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><U>First Quarter 2024
Performance</U></B></FONT></P>

<P STYLE="font: 5pt Proxima Nova Rg; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR>
    <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: Proxima Nova Rg; font-size: 10pt; color: white"><B>Operating<BR>
 Performance</B></FONT></TD>
    <TD STYLE="width: 84%; padding: 0.7pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Diluted Earnings Per Share</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.76 per share, an increase of $0.65 per share from the first quarter
    of 2023 and an increase of $0.13 per share from the fourth quarter of 2023</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating Diluted Earnings Per Share (non-GAAP)</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.82 per share, a decrease of $0.10 per share from the first quarter
    of 2023 and consistent with the fourth quarter of 2023</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating Pre-Tax, Pre-Provision Net Revenue Per Share (non-GAAP)</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.18 per share, a decrease of $0.04 per share from the first quarter
    of 2023 and an increase of $0.05 per share from the fourth quarter of 2023</FONT></P></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.7pt">&nbsp;</TD>
    <TD STYLE="padding: 0.7pt">&nbsp;</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="padding: 0.7pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return on Assets | Operating Return on Assets (non-GAAP)</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.04% | 1.11%</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return on Equity | Operating Return on Equity (non-GAAP)</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.78% | 10.47%</FONT></P></TD></TR>
  </TABLE>



<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR>
    <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>Revenues</B></FONT></TD>
    <TD STYLE="width: 84%; background-color: white; padding: 0.7pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Revenues</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$177.3 million, an increase of $52.8 million, or 42.4%, from the first
    quarter of 2023 and an increase of $0.3 million, or 0.2%, from the fourth quarter of 2023</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Operating Revenues (non-GAAP)</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$177.3 million, an increase of $0.6 million, or 0.4%, from the first
    quarter of 2023 and an increase of $0.4 million, or 0.2%, from the fourth quarter of 2023</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest Revenues</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$70.3 million, an increase of $56.8 million from the first quarter of
    2023 and an increase of $2.5 million, or 3.7%, from the fourth quarter of 2023</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Operating Noninterest Revenues (non-GAAP)</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$70.3 million, an increase of $4.7 million, or 7.1%, from the first
    quarter of 2023 and an increase of $2.6 million, or 3.8%, from the fourth quarter of 2023</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest Revenues/Total Revenues | Operating Noninterest Revenues/Operating
    Revenues (FTE) (non-GAAP)</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">39.6% | 39.4%</FONT></P></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.7pt">&nbsp;</TD>
    <TD STYLE="padding: 0.7pt">&nbsp;</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<BR>
 and Net Interest<BR>
 Margin</B></FONT></TD>
    <TD STYLE="padding: 0.7pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net Interest Income</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$107.0 million, a decrease of $2.2 million, or 2.0%, from the fourth
    quarter of 2023 and a decrease of $4.0 million, or 3.6%, from the first quarter of 2023</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net Interest Margin</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.95%, a decrease of 10 basis points from 3.05% for the fourth quarter
    of 2023 and a decrease of 22 basis points from 3.17% for the first quarter of 2023</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net Interest Margin (Fully Tax-Equivalent) (non-GAAP)</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.98%, a decrease of nine basis points from 3.07% for the fourth quarter
    of 2023 and a decrease of 22 basis points from 3.20% for the first quarter of 2023</FONT></P></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.7pt">&nbsp;</TD>
    <TD STYLE="padding: 0.7pt">&nbsp;</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>Balance
Sheet and<BR>
 Funding</B></FONT></TD>
    <TD STYLE="padding: 0.7pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Ending Loans</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9.88 billion, an increase of $178.9 million, or 1.8%, from December
    31, 2023, and an increase of $901.2 million, or 10.0%, from one year ago</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Ending Deposits</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13.35 billion, an increase of $423.9 million, or 3.3%, from December
    31, 2023, and an increase of $241.4 million, or 1.8%, from one year ago</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Deposit Funding Costs | Total Cost of Funds</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.14% | 1.31% </FONT></P></TD></TR>
  <TR>
    <TD STYLE="padding: 0.7pt">&nbsp;</TD>
    <TD STYLE="padding: 0.7pt">&nbsp;</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="padding: 0.7pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Annualized Loan Net Charge-Offs</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.12%</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tier 1 Leverage Ratio</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.01%</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan-to-deposit ratio</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74.0%</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Non-owner occupied and multifamily commercial real estate (&ldquo;CRE&rdquo;)
    / total bank-level regulatory capital</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 9pt">o</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">201%</FONT></P></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><U>First Quarter 2024 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%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 16%; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Revenues of $125.3 million decreased $2.4 million, or 1.9%, from
    the first quarter of 2023 excluding the impact of $52.3 million of investment securities losses in the prior year&rsquo;s first quarter
    and decreased $2.2 million, or 1.7%, from the fourth quarter of 2023.</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The decreases between both periods were primarily due to lower net interest
    income resulting from higher funding costs, partially offset by increases in noninterest revenues.</FONT></P></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Employee Benefit<BR>
 Services</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Revenues of $31.7 million increased $2.3 million, or 7.9%, from
    the first quarter of 2023 and $1.7 million, or 5.6%, from the fourth quarter of 2023.</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The increases between both periods were reflective of increases in the
    total participants under administration along with growth in asset-based fee revenues resulting from market appreciation and the acquisition
    of certain assets of Creative Plan Designs Limited on February 1, 2024.</FONT></P></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 0.25in"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Insurance <BR>
Services</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Revenues of $11.1 million decreased $0.4 million, or 3.6%, from
    the first quarter of 2023 and $0.5 million, or 4.2%, from the fourth quarter of 2023.</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The decreases between both periods were reflective of timing differences
    in certain commercial policy renewals and lower insurance carrier-related contingency revenues. </FONT></P></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 0.25in"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Wealth <BR>
Management<BR>
 Services</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Revenues of $9.2 million increased $1.0 million, or 11.7%, from
    the first quarter of 2023 and $1.3 million, or 16.5%, from the fourth quarter of 2023. </FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The increases between both periods were reflective of more favorable
    investment market conditions that drove increases in assets under management between the periods.</FONT></P></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>Results of Operations</B></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">The Company reported first quarter 2024 net income of $40.9 million, or $0.76 per
fully diluted share. This compares to net income of $5.8 million, or $0.11 per fully diluted share for the first quarter of 2023. The
$0.65 increase in earnings per share was primarily reflective of the realized loss on investment security sales recognized in the first
quarter of 2023 which negatively impacted first quarter 2023 earnings per share by $0.75. Excluding this item, earnings per share decreased
$0.10, driven by increases in noninterest expenses, the provision for credit losses and income taxes and a decrease in net interest income,
partially offset by an increase in noninterest revenues and a decrease in the number of fully diluted shares outstanding. Comparatively,
the Company&rsquo;s diluted earnings per share increased $0.13 from $0.63 per share for the linked fourth quarter of 2023 due to decreases
in noninterest expenses and the number of fully diluted shares outstanding and an increase in noninterest revenues, partially offset by
increases in income taxes and the provision for credit losses and a decrease in net interest income.</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 eleventh consecutive quarter of loan growth supported continued
expansion in interest income that was offset by higher interest expense driven by funding cost pressures. </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 Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest income in the first quarter of 2024 was $107.0 million, down
$4.0 million, or 3.6%, compared to the first quarter of 2023, and down $2.2 million, or 2.0%, from the fourth quarter of 2023.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest margin in the first quarter of 2.95% and fully tax-equivalent
net interest margin, a non-GAAP measure, of 2.98% both decreased by 22 basis points from the first quarter of 2023. These decreases were
primarily the result of an increase in the cost of interest-bearing liabilities, partially offset by higher yields on interest-earning
assets and a higher proportion of those assets being comprised of loan balances. The change in composition of interest-earning assets
was primarily due to strong organic loan growth and a decrease in investment securities balances driven by maturities between the periods
and the sales of certain lower-yielding available-for-sale investment securities in the prior year&rsquo;s first quarter.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The yield on interest-earning assets increased 61 basis points to 4.24%
over the prior year&rsquo;s first quarter primarily as a result of higher loan yields due to market-related increases in interest rates
on new loans, an 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 Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The cost of interest-bearing liabilities increased 115 basis points from
0.62% in the first quarter of 2023 to 1.77% in the first quarter of 2024 as a result of market-driven higher deposit and borrowing rates
and change in deposit mix.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">On a linked quarter basis, net interest margin decreased by 10 basis points,
while tax-equivalent net interest margin, a non-GAAP measure, decreased by nine basis points. The cost of funds increased 23 basis points,
including a 29 basis point increase in the cost of interest-bearing liabilities, while the yield on interest-earning assets increased
13 basis points. The increase in the cost of interest-bearing liabilities included a 19 basis point increase in the average interest-bearing
deposit rate and a 69 basis point increase in the average borrowing rate impacted by the Company&rsquo;s short-term utilization of the
Federal Reserve&rsquo;s Bank Term Funding Program during the first quarter which temporarily reduced the proportion of lower rate customer
repurchase agreements to total borrowings.</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 Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Banking noninterest revenues, comprised of deposit service and other banking
fees and mortgage banking noninterest revenues, increased $1.8 million, or 11.1%, from $16.4 million in the first quarter of 2023 to $18.2
million in the first quarter of 2024, reflective of increases in debit interchange and ATM fees as well as CRE financing and advisory
revenues. Comparatively, banking noninterest revenues increased $0.1 million, or 0.3%, from the fourth quarter of 2023.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Employee benefit services revenues for the first quarter of 2024 were $31.7
million, an increase of $2.3 million, or 7.9%, in comparison to the first quarter of 2023 and $1.7 million, or 5.6%, from the fourth quarter
of 2023, driven by new business and increases in the total participants under administration, along with growth in asset-based fee revenues
resulting from market appreciation and the acquisition of certain assets of Creative Plan Designs Limited, a provider of employee benefit
plan design, administration and consulting, on February 1, 2024.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Insurance services revenues for the first quarter of 2024 were $11.1 million,
which represents a $0.4 million, or 3.6%, decrease versus the prior year&rsquo;s first quarter and $0.5 million, or 4.2%, from the fourth
quarter of 2023, due in part to timing differences in certain commercial policy renewals and lower insurance carrier-related contingency
revenues.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Wealth management services revenues for the first quarter of 2024 were
$9.2 million, an increase of $1.0 million, or 11.7%, from $8.2 million in the first quarter of 2023 and $1.3 million, or 16.5%, from the
fourth quarter of 2023. The increases between both periods were reflective of growth in assets under management primarily driven by favorable
investment market conditions.</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 evaluating 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 Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company recorded $118.1 million in total noninterest expenses in the
first quarter of 2024, compared to $114.1 million of total noninterest expenses in the prior year&rsquo;s first quarter. The $4.0 million,
or 3.5%, increase between the periods was mainly driven by higher salaries and employee benefits, data processing and communications expenses
and other expenses.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The $1.6 million, or 2.2%, increase in salaries and employee benefits expenses
was primarily driven by merit and market-related increases in employee wages, partially offset by the impact of the previously announced
retail customer service workforce optimization plan and a decrease in employee retirement-related severance expense.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The $1.2 million, or 9.3%, increase in data processing and communications
expenses is reflective of the Company&rsquo;s continued investment in customer-facing and back-office technologies including investments
being made in additional technology to enhance its detection and prevention of customer payment-related fraud and cybersecurity-related
incidents.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other expenses were up $1.6 million, or 24.4%, primarily due to increases
in insurance expenses, including $0.4 million associated with an additional expected increase to 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 lowering the
net periodic pension benefit credit.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The effective tax rate for the first quarter of 2024 was 22.9%, up from
16.9% in the first quarter of 2023. Excluding the impact of tax expense and benefits related to stock-based compensation activity and
income tax credit amortization, the effective tax rate for the first quarter of 2024 was 22.0%, up from 21.4% in the first quarter of
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>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 Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company&rsquo;s total assets were $15.86 billion at March 31, 2024,
representing a $602.7 million, or 4.0%, increase from one year prior and a $302.9 million, or 1.9%, increase from the end of 2023. The
increase in the Company&rsquo;s total assets during the twelve-month period was primarily driven by organic loan growth, partially offset
by the maturities of certain available-for-sale investment securities. The increase in total assets from the end of 2023 was reflective
of net deposit inflows and continued organic loan growth.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">At March 31, 2024, the Company&rsquo;s readily available sources of liquidity
totaled $4.60 billion, including cash and cash equivalents balances of $338.4 million, investment securities unpledged as collateral totaling
$1.58 billion, unused borrowing capacity at the Federal Home Loan Bank of New York of $1.55 billion and $1.13 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 Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</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 Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</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 first 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"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending deposits at March 31, 2024 of $13.35 billion were $423.9 million,
or 3.3%, higher than the end of 2023 and $241.4 million, or 1.8%, higher than one year prior primarily driven by net inflows of public
fund deposits due in part to seasonal tax collection.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending borrowings of $682.4 million at March 31, 2024, which included $395.1
million of fixed rate Federal Home Loan Bank of New York term borrowings and $287.3 million of customer repurchase agreements, decreased
$82.8 million, or 10.8%, from December 31, 2023 and increased $302.1 million, or 79.4%, from the year prior.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company&rsquo;s average cost of funds increased 87 basis points, from
0.44% in the first quarter of 2023 to 1.31% in the first quarter of 2024, while the average cost of total deposits remained comparatively
low relative to the industry at 1.14% for the quarter.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Through the end of the first quarter of 2024, the Company&rsquo;s cycle-to-date
deposit beta was 20% and the cycle-to-date total funding beta was 23%. 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 106 basis points and 122 basis points,
respectively, over the same period.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</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 60% consumer, 25% business and 15% municipal at the end of the current quarter, and broadly dispersed as illustrated
by an average deposit balance per account of under $20,000.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66% of the Company&rsquo;s total deposits were in checking and nominal-cost
savings accounts at the end of the first quarter and the Company does not currently utilize brokered or wholesale deposits. Time deposit
accounts represented 15% of the Company&rsquo;s total deposits at the end of the first quarter of 2024, up seven percentage points from
the end of the first quarter of 2023 and two percentage points from the end of 2023 reflective of customers responding to changes in market
interest rates by moving funds into higher yielding account types.</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>Loans and Credit Quality</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending loans at March 31, 2024 of $9.88 billion were $178.9 million, or
1.8%, higher than December 31, 2023 and $901.2 million, or 10.0%, 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 Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">At March 31, 2024, the Company&rsquo;s allowance for credit losses totaled
$70.1 million, or 0.71% of total loans outstanding, compared to $66.7 million, or 0.69% of total loans outstanding, at the end of 2023
and $63.2 million, or 0.70% of total loans outstanding, at March 31, 2023.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</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 $6.1 million provision for credit losses during the first quarter of 2024 as the Company increased its qualitative
assessment of future uncertainty and built credit loss reserves that were primarily attributable to the business lending and consumer
indirect portfolios. While certain macroeconomic concerns are emerging related to non-owner occupied and multifamily CRE, the Company&rsquo;s
exposure to this portfolio remains diverse both geographically and by property type, and relatively low at 15% of total assets, 25% of
total loans and 201% 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 stable, reflecting the solid asset quality of
this portfolio.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company recorded net charge-offs of $2.8 million, or an annualized
0.12% of average loans, in the first quarter of 2024 compared to net charge-offs of $1.5 million, or an annualized 0.07% of average loans,
in the first quarter of 2023 and net charge-offs of $2.3 million, or an annualized 0.10% of average loans, in the fourth quarter of 2023.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</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 0.93% at the end of the first quarter of 2024. This compares to 0.73%
at the end of the first quarter of 2023 and 1.06% at the end of 2023.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">At March 31, 2024, nonperforming (90 or more days delinquent and non-accruing)
loans were $49.5 million, or 0.50% of total loans outstanding compared to $54.6 million, or 0.56% of total loans outstanding at the end
of 2023 and $33.8 million, or 0.38% of total loans outstanding one year earlier. The increase from the end of the first quarter of 2023
was primarily attributable to an increase in nonaccrual business lending loan balances in the fourth quarter of 2023, driven largely by
the performance of three customers that were individually assessed for a specific allocation of the allowance for credit losses. </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</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 0.43% of total loans outstanding at March 31, 2024, down from 0.50%
at the end of 2023 and up from 0.35% 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"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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 March
31, 2024, 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 Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shareholders&rsquo; equity of $1.66 billion at March 31, 2024 was $22.9
million, or 1.4%, higher than one year ago, primarily due to a $71.5 million increase in retained earnings due to net income retention,
partially offset by a $52.7 million increase in treasury stock due to share repurchases. Shareholders&rsquo; equity decreased $41.0 million,
or 2.4%, from December 31, 2023, primarily driven by a $33.4 million increase in treasury stock due to share repurchases and a $27.3 million
increase in accumulated other comprehensive loss related to the Company&rsquo;s investment securities portfolio, partially offset by a
$17.1 million increase in retained earnings due to net income retention.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company&rsquo;s shareholders&rsquo; equity to assets ratio was 10.45%
at March 31, 2024, down from 10.71% at March 31, 2023 and 10.92% at December 31, 2023.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company&rsquo;s tier 1 leverage ratio of 9.01% at March 31, 2024 decreased
five basis points from one year earlier and 33 basis points from December 31, 2023 and remained substantially above the regulatory well-capitalized
standard of 5.0%.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company&rsquo;s tangible equity to tangible assets ratio (non-GAAP)
was 5.32% at March 31, 2024, down from 5.41% a year earlier and 5.75% at the end of 2023. Tangible assets (non-GAAP) increased $599.3
million, or 4.2%, from the prior year due primarily to organic loan growth, partially offset by the maturities of certain available-for-sale
investment securities. Tangible equity (non-GAAP) increased $19.5 million, or 2.5%, from one year prior due to the aforementioned net
income retention, partially offset by the impact of share repurchases between the periods.</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>Dividend Increase and Stock Repurchase Program</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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 Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">During the first quarter of 2024, 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 first quarter of 2023, representing an
annualized yield of 4.0% based upon the $44.45 closing price of the Company&rsquo;s stock on April 22, 2024.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">As previously announced, 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. There were 750,000 shares repurchased pursuant to the 2024 stock repurchase program in the first quarter of 2024.</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"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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;
and &ldquo;tangible&rdquo; basis. Results on an &ldquo;operating&rdquo; basis exclude the after-tax effects of acquisition expenses, acquisition-related
contingent consideration adjustments, restructuring expenses, litigation accrual, gain on debt extinguishment, loss on sales of investment
securities, unrealized gain (loss) on equity securities and amortization of intangible assets. Results on a &ldquo;tangible&rdquo; basis
exclude goodwill and intangible asset balances, net of accumulated amortization and applicable deferred tax amounts. In addition, the
Company provides supplemental reporting for &ldquo;operating pre-tax, pre-provision net revenues,&rdquo; which subtracts the provision
for credit losses, acquisition expenses, acquisition-related contingent consideration adjustments, restructuring expenses, litigation
accrual, gain on debt extinguishment, loss on sales of investment securities, unrealized gain (loss) on equity securities and amortization
of intangible assets 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
income and 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 income and net interest margin are non-GAAP measures, 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. Operating diluted earnings per share, a non-GAAP measure, was $0.82 in the first quarter of 2024, down from
$0.92 in the first quarter of 2023 and consistent with $0.82 in the fourth quarter of 2023. Operating pre-tax, pre-provision net revenue
per share, a non-GAAP measure, was $1.18 in the first quarter of 2024, down from $1.22 in the first quarter of 2023 and up from $1.13
in the fourth 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"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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, April 23, 2024, to discuss the first quarter 2024 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/OXrxVp7w7PM</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"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Community Bank System, Inc. is a diversified financial services company that is focused
on four main business lines &ndash; banking, employee benefit services, insurance services and wealth management. Its banking subsidiary,
Community Bank, N.A., is among the country&rsquo;s 100 largest banking institutions with over $15 billion in assets and operates approximately
200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. 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 75 U.S. insurance agency. The Company also offers comprehensive financial planning, trust administration and wealth management
services through its Community Bank Wealth Management operating unit.</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">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"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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 CRE and 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 services, and insurance
services businesses; the successful integration of operations of its acquisitions and performance of new branches; 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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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; padding-bottom: 2pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><BR STYLE="clear: both">
    <B>Summary of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 3.75pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 3.75pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 3.75pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 3.75pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 3.75pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
    in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.75pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.75pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.75pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.75pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.75pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 1.45pt; font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 2pt 1.45pt; font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Earnings</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan
    income</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$127,498</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$122,392</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$115,138</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$107,275</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$100,362</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Investment
    income</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">25,161</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23,934</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22,418</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24,349</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">25,520</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    interest income</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">152,659</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">146,326</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">137,556</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">131,624</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">125,882</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Interest
    expense</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,669</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37,136</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">29,770</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22,345</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,852</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">106,990</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">109,190</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">107,786</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">111,030</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Provision
    for credit losses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,148</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,073</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,878</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">752</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,500</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest income after provision for credit losses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100,842</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">105,117</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">104,908</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">108,527</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">107,530</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Deposit
    service and other banking fees</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,907</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18,003</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,478</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,740</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,156</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Mortgage
    banking</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">345</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">113</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">275</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Employee
    benefit services</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">31,698</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30,015</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">29,997</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">28,565</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">29,384</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Insurance
    services</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,109</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,599</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,113</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,860</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,522</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Wealth
    management services</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,210</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,904</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,934</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,858</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,245</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52,329)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">242</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Unrealized
    gain (loss) on equity securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(49)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    noninterest revenues</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">70,285</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,769</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,586</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,495</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Salaries
    and employee benefits</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">73,063</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">71,595</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">70,687</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">68,034</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">71,487</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Data
    processing and communications</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,348</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,685</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,480</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,291</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,129</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Occupancy
    and equipment</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,362</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,715</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,358</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,453</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,024</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,576</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,563</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,576</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,667</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Legal
    and professional fees</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,341</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,792</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,826</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,102</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,201</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Business
    development and marketing</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,045</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,635</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,628</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,567</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,901</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Acquisition-related
    contingent consideration adjustments</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,200</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Litigation
    accrual</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">119</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,800</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Acquisition
    expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">35</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,163</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,195</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,936</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,869</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,887</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,586</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; text-indent: 12.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    noninterest expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">118,084</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">129,091</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">116,504</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">114,052</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Income
    before income taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,043</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,795</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">55,990</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,973</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Income
    taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,171</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,089</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,861</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,175</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; text-indent: 21.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    income</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$40,872</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$44,129</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$5,798</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Basic
    earnings per share</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.77
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.63
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.82
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.11</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Diluted
    earnings per share</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.76
    </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.63
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.82
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.11</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Profitability
    (GAAP)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 3.75pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.75pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3.75pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3.75pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3.75pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return
    on assets (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.04%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.87%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.16%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.28%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.15%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return
    on equity (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.78%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.53%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.90%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.86%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.49%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest
    revenues/total revenues (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">39.6%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.3%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.5%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.6%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.8%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Efficiency
    ratio (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66.6%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">72.9%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66.4%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">91.6%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Profitability
    (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3.75pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3.75pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3.75pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3.75pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3.75pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    return on assets (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.11%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.13%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.23%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.38%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.31%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    return on equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.47%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.10%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.62%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.78%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.78%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return
    on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19.94%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18.75%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.34%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24.89%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.26%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    return on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.36%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24.38%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24.89%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.82%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">27.92%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    noninterest revenues/operating revenues (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">39.4%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.1%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.3%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.4%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36.9%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    efficiency ratio (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.1%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">65.4%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.0%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61.4%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62.1%</FONT></TD></TR>
  </TABLE>



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<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap"><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-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD COLSPAN="4" STYLE="border-top: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 1.45pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Components
    of Net Interest Margin (FTE)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan
    yield</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.25%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.08%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.92%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.75%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.59%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cash
    equivalents yield</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.39%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.49%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.97%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.27%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.49%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Investment
    yield</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.02%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.03%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.96%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.07%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.01%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Earning
    asset yield</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.24%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.11%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.94%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.82%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.63%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Interest-bearing
    deposit rate</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.56%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.37%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.09%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.84%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.45%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Borrowing
    rate</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.81%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.12%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.34%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.60%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.78%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cost
    of all interest-bearing funds</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.77%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.48%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.23%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.94%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.62%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cost
    of total deposits</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.14%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.98%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.59%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.31%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cost
    of funds (includes noninterest-bearing deposits)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.31%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.08%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.88%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.67%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.44%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest margin</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.95%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.05%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.07%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.14%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.17%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest margin (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.98%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.07%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.10%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.18%</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.20%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Fully
    tax-equivalent adjustment (non-GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,014</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,037</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,034</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,080</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,091</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Average
    Balances</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loans</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9,788,707</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9,583,396</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9,303,479</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9,072,956</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$8,884,164</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cash
    equivalents</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">230,299</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">113,071</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,279</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">28,491</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">27,775</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Taxable
    investment securities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,071,256</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,032,386</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,080,835</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,313,875</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,760,089</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nontaxable
    investment securities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">488,381</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">493,434</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">508,356</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">525,314</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">532,604</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    interest-earning assets</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,578,643</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,222,287</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,945,949</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,940,636</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,204,632</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    assets</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,796,867</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,333,131</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,123,226</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,150,001</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,366,863</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Interest-bearing
    deposits</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,462,083</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,266,908</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,961,895</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,053,199</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,925,555</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Borrowings</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">936,588</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">665,322</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">619,510</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">523,585</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">717,788</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    interest-bearing liabilities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,398,671</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,932,230</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,581,405</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,576,784</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,643,343</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest-bearing
    deposits</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,570,902</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,706,781</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,810,542</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,836,341</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,043,494</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shareholders'
    equity</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,681,211</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,567,381</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,605,798</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,632,992</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,576,717</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Balance
    Sheet Data</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cash
    and cash equivalents</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$338,381</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$190,962</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$455,807</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$222,779</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$189,298</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Investment
    securities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,152,114</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,165,312</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,960,001</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,231,899</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,630,741</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loans:</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Business
    lending</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,220,199</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,084,396</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,914,935</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,833,697</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,747,942</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Consumer
    mortgage</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,317,467</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,285,018</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,196,764</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,072,090</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,019,718</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Consumer
    indirect</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,716,028</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,703,440</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,708,302</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,644,811</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,605,659</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Home
    equity</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">446,056</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">446,515</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">444,764</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">439,186</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">432,027</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Consumer
    direct</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">183,750</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">185,229</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">185,301</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">180,985</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,989</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    loans</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,883,500</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,704,598</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,450,066</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,170,769</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,982,335</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Allowance
    for credit losses</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">70,091</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66,669</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64,945</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">63,284</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">63,170</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Goodwill
    and intangible assets, net</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">904,439</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">897,987</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">901,334</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">901,709</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">900,914</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other
    assets</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">650,327</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">663,563</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">684,059</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">644,178</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">615,835</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    assets</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,858,670</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,555,753</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,386,322</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,108,050</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,255,953</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Deposits:</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;Noninterest-bearing</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,554,686</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,638,527</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,780,519</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,855,085</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,949,801</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;Non-maturity
    interest-bearing</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,835,543</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,569,131</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,755,916</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,740,818</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,106,734</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;Time</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,961,793</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,720,463</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,494,353</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,275,883</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,054,137</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    deposits</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,352,022</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,928,121</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,030,788</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,871,786</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,110,672</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer
    repurchase agreements</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">287,241</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">304,595</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">330,252</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">233,469</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">304,607</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other
    borrowings</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">395,122</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">460,603</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">316,837</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">251,284</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">75,684</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Accrued
    interest and other liabilities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">167,330</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">164,497</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">153,506</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">134,105</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">130,977</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    liabilities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,201,715</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,857,816</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,831,383</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,490,644</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,621,940</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shareholders'
    equity</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,656,955</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,697,937</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,554,939</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,617,406</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,634,013</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    liabilities and shareholders' equity</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,858,670</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,555,753</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,386,322</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,108,050</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,255,953</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  </TABLE>



<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 11 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
    of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
    in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 2pt 1.45pt; font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Capital
    and Other</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shareholders&rsquo;
    equity/total assets (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.45%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.92%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.11%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.71%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tangible
    equity/tangible assets (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.32%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.75%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.81%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.41%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tier
    1 leverage ratio</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.01%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.34%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.44%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.06%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan-to-deposit
    ratio</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74.0%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">75.1%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">72.5%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">68.5%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Diluted
    weighted average common shares outstanding</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,467</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,665</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,798</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">54,207</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Period
    end common shares outstanding</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,765</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,327</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,427</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,725</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cash
    dividends declared per common share</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.45
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.45
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.45
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.44
    </FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Book
    value (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$31.40
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$31.84
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$29.10
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$30.41
    </FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tangible
    book value (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15.12
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15.85
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13.07
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14.49
    </FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Common
    stock price at quarter-end</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$48.03
    </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52.49
    </FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Asset
    Quality</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nonaccrual
    loans</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$44,904</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$48,687</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,122</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$29,745</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Accruing
    loans 90+ days delinquent</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,554</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,886</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,731</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,027</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;Total
    nonperforming loans</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,458</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">54,573</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36,853</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,772</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other
    real estate owned (OREO)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,742</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,159</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">578</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">508</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
    nonperforming assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">51,200</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">55,732</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37,431</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">34,280</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    charge-offs</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,840</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,337</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,249</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,511</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Allowance
    for credit losses/loans outstanding</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.71%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.69%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.69%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.70%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nonperforming
    loans/loans outstanding</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.50%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.56%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.39%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.38%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Allowance
    for credit losses/nonperforming loans</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">142%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">122%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">187%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    charge-offs/average loans</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.12%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.10%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.05%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Delinquent
    loans/ending loans</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.93%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.06%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.90%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.73%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Provision
    for credit losses/net charge-offs</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">216%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">174%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">230%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">232%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nonperforming
    assets/total assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.32%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.36%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.24%</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.22%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    pre-tax, pre-provision net revenue (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Net
    income (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$40,872</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$44,129</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$5,798</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Income
    taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,171</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,089</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,175</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Income
    before income taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,043</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,795</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">55,990</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,973</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Provision
    for credit losses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;6,148</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;3,500</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B>Pre-tax,
    pre-provision net revenue (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">59,191</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,868</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">58,868</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,473</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">35</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition-related
    contingent consideration adjustments</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,200</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,163</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">119</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,800</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,329</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(242)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Unrealized
    (gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(16)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;49</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,576</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,563</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,576</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,667</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;Operating
    pre-tax, pre-provision net revenue (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$62,905</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$60,549</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$62,573</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$66,979</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$66,284</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  </TABLE>



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<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap"><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-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD COLSPAN="4" STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 1.45pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    pre-tax, pre-provision net revenue per share (non-GAAP)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Diluted
    earnings per share (GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.76</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.63</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.82</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.89</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.11</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Income
    taxes</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.23</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.19</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.22</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.25</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Income
    before income taxes</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.99</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.04</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.14</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.13</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Provision
    for credit losses</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.12</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.05</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.01</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B>Pre-tax,
    pre-provision net revenue per share (non-GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.11</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.89</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.09</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.15</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.19</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Acquisition
    expenses</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition-related
    contingent consideration adjustments</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.04</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.96</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Unrealized
    (gain) loss on equity securities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt 2.5pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B>Operating
    pre-tax, pre-provision net revenue per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-right: 0.75pt; border-bottom: Black 2.5pt double; padding-left: 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.18</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.13</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.16</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.24</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-right: 0.75pt; border-bottom: Black 2.5pt double; padding-left: 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.22</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    net income (non-GAAP)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    income (GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$40,872
    </FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706
    </FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$44,129
    </FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$48,291
    </FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$5,798
    </FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">35</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of acquisition expenses</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(8)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(12)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,899</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,712</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,129</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">48,290</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,843</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition-related
    contingent consideration adjustments</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,200</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,000</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of acquisition-related contingent consideration adjustments</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(443)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(17)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(214)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,899</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">35,469</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,192</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,076</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,843</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,163</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of restructuring expenses</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(234)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,899</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36,398</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,192</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,076</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,843</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">119</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,800</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of litigation accrual</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(26)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,168)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,992</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">41,030</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,192</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,076</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,843</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,329</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of loss on sales of investment securities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(11,171)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,992</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">41,030</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,192</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,076</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,001</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(242)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of gain on debt extinguishment</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,992</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">41,030</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,192</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,076</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">46,811</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Unrealized
    (gain) loss on equity securities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(16)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of unrealized (gain) loss on equity securities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(10)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(11)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,980</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,988</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,231</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,115</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">46,811</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,576</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,563</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,576</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,705</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,667</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of amortization of intangible assets</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(787)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(718)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(757)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(793)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(783)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,769</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,833</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,050</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52,027</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,695</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  </TABLE>



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<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
    of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
    in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 2pt 1.45pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    diluted earnings per share (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Diluted
    earnings per share (GAAP)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.76
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.63
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.82
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.11
    </FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of acquisition expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 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; white-space: nowrap; padding: 2pt 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; white-space: nowrap; padding: 2pt 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; white-space: nowrap; padding: 2pt 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; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.63</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition-related
    contingent consideration adjustments</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.04</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of acquisition-related contingent consideration adjustments</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.66</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; 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; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of restructuring expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.68</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; 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; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of litigation accrual</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.03)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; 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; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; 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; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.96</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of loss on sales of investment securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.21)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; 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; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.86</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; 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; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of gain on debt extinguishment</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; 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; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.86</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Unrealized
    (gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: top; 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; white-space: nowrap; vertical-align: top; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of unrealized (gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; padding: 2pt 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; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.86</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of amortization of intangible assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 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; white-space: nowrap; padding: 2pt 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 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; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating
    diluted earnings per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 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="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 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="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.87</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 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; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Return
    on assets</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    income (GAAP)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$40,872</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$44,129
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$5,798
    </FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,796,867</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,333,131</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 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; white-space: nowrap; padding: 2pt 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; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,366,863</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Return
    on assets (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; 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">1.04%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; 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">0.87%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; 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">1.16%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.28%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.15%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    return on assets (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Operating
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,769</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,833</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,050</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,695
    </FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,796,867</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,333,131</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 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; white-space: nowrap; padding: 2pt 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; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,366,863</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating
    return on assets (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; 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">1.11%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; 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">1.13%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; 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">1.23%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-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>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.31%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Return
    on equity</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    income (GAAP)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$40,872
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$44,129
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$5,798
    </FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total equity</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,681,211</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,567,381</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 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; white-space: nowrap; padding: 2pt 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; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,576,717</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Return
    on equity (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; 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">9.78%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; 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">8.53%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; 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">10.90%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.86%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.49%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    return on equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Operating
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,769</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,833</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,050</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; 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; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,695
    </FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total equity</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,681,211</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,567,381</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding: 2pt 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; white-space: nowrap; padding: 2pt 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; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,576,717</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating
    return on equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; 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">10.47%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; 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">11.10%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; 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">11.62%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.78%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.78%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  </TABLE>



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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
    of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
    in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 2pt 1.45pt; font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Net
    interest margin</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    interest income</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$106,990</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,190</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$107,786</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$111,030</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    average interest-earning assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,578,643</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,204,632</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net
    interest margin</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.95%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Net
    interest margin (FTE) (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    interest income</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$106,990</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,190</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$107,786</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$111,030</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Fully
    tax-equivalent adjustment (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,014</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,091</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Fully
    tax-equivalent net interest income (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">108,004</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">110,227</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">108,820</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">112,121</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    average interest-earning assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,578,643</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,204,632</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net
    interest margin (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.98%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    noninterest revenues (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Noninterest
    revenues (GAAP)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$70,285</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,769</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,586</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13,495</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,329</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(242)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Unrealized
    (gain) loss on equity securities</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(16)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Total
    operating noninterest revenues (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 2pt; padding-right: 0.75pt; border-bottom: Black 2.5pt double; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$70,269</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,717</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,635</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$66,034</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$65,582</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    noninterest expenses (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Noninterest
    expenses (GAAP)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$118,084</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$129,091</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$116,504</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$113,038</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$114,052</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(35)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(7)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(57)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition-related
    contingent consideration adjustments</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2,200)
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(80)
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0
    </FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,163)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(119)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(5,800)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,576)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,563)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,576)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,667)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
    operating noninterest expenses (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$114,354</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    revenues (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Net
    interest income (GAAP)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$106,990</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,190</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$107,786</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$111,030</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Noninterest
    revenues (GAAP)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">70,285</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,769</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,586</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,495</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Total
    revenues (GAAP) </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,275</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,959</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">175,372</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">124,525</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,329</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(242)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Unrealized
    (gain) loss on equity securities</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(16)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Total
    operating revenues (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 2pt; padding-right: 0.75pt; border-bottom: Black 2.5pt double; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$177,259</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$176,907</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$175,421</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$175,313</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$176,612</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Noninterest
    revenues/total revenues</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Total
    noninterest revenues (GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$70,285</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,769</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,586</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13,495</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Total
    revenues (GAAP) &ndash; denominator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,275</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,959</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">175,372</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">124,525</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Noninterest
    revenues/total revenues (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; 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">39.6%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; 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">38.3%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; 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">38.5%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; 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">37.6%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; 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">10.8%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    noninterest revenues/operating revenues (FTE) (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Total
    operating noninterest revenues (non-GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$70,269</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,717</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,635</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$66,034</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$65,582</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    operating revenues (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,259</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,907</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">175,421</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">175,313</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,612</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Fully
    tax-equivalent adjustment (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,014</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding: 2pt 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; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,091</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    operating revenues (FTE) (non-GAAP) &ndash; denominator</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">178,273</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,944</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,455</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,393</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,703</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Operating
    noninterest revenues/operating revenues (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; 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">39.4%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; 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">38.1%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; 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">38.3%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; 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">37.4%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; 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">36.9%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 2.65pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 2.65pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 2.65pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 2.65pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-right: 2.65pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  </TABLE>



<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
    of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
    in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 2pt 1.45pt; font-family: Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Efficiency
    ratio (GAAP)</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    noninterest expenses (GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$118,084</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$129,091</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$116,504</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$113,038</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$114,052</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Total
    revenues (GAAP) &ndash; denominator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,275</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,959</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">175,372</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">124,525</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Efficiency
    ratio (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 2pt; padding-right: 0.75pt; border-bottom: Black 2.5pt double; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66.6%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">72.9%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; 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; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; 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; padding-top: 2pt; padding-right: 0.75pt; border-bottom: Black 2.5pt double; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">91.6%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    efficiency ratio (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    operating noninterest expenses (non-GAAP) - numerator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$114,354</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$116,358</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$112,848</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$108,334</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$110,328</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    operating revenues (FTE) (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">178,273</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,944</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,455</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,393</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,703</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating
    efficiency ratio (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.1%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">65.4%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.0%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61.4%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62.1%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Total
    tangible assets (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    assets (GAAP)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,858,670</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,555,753</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,386,322</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,108,050</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,255,953</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Goodwill
    and intangible assets, net</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(904,439)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(897,987)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(901,334)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(900,914)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Deferred
    taxes on goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,433</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,198</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,369</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
    tangible assets (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 2pt; padding-right: 0.75pt; border-bottom: Black 2.5pt double; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,999,664</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,702,964</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Total
    tangible common equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Shareholders'
    equity (GAAP)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,656,955</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,697,937</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,554,939</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,634,013</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Goodwill
    and intangible assets, net</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(904,439)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(897,987)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(901,334)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(900,914)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Deferred
    taxes on goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,433</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,198</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,369</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
    tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 2pt; padding-right: 0.75pt; border-bottom: Black 2.5pt double; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$797,949</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$845,148</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 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="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    shareholders&rsquo; equity (GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,656,955</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,697,937</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,634,013</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    assets (GAAP) &ndash; denominator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,858,670</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,555,753</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,255,953</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholders&rsquo;
    equity-to-assets ratio at quarter end (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 2pt; padding-right: 0.75pt; border-bottom: Black 2.5pt double; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.45%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.92%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Tangible
    equity-to-tangible assets ratio at quarter end (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    tangible common equity (non-GAAP) - numerator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$797,949</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$845,148</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$778,468</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    tangible assets (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,999,664</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,702,964</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,400,408</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tangible
    equity-to-tangible assets ratio at quarter end (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 2pt; padding-right: 0.75pt; border-bottom: Black 2.5pt double; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.32%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.75%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-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></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Return
    on tangible equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    income (GAAP)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$40,872
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$44,129
    </FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$5,798
    </FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,681,211</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,567,381</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,605,798</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; 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; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,576,717</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(902,215)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(899,027)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(900,562)</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(900,038)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(900,616)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    deferred taxes on goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,315</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,896</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,798</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,186</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,750</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">824,311</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">713,250</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">750,034</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">778,140</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">721,851</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Return
    on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19.94%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18.75%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.34%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24.89%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.26%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    return on tangible equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Operating
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,769</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,833</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,050</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 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-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,695</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Average
    tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">824,311</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">713,250</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">750,034</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">778,140</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">721,851</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Operating
    return on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.36%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24.38%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24.89%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.82%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">27.92%</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  </TABLE>



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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
    of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; width: 9%; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
    in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 2pt 1.45pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Book
    value (GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding: 2pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    shareholders&rsquo; equity (GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,656,955</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,697,937</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; 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; white-space: nowrap; padding: 2pt 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; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,634,013</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Period
    end common shares outstanding &ndash; denominator</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,765</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,327</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,427</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 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; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,725</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Book
    value (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$31.40
    </FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$31.84
    </FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-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="border-bottom: Black 2.5pt double; white-space: nowrap; padding-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; border-bottom: Black 2.5pt double; white-space: nowrap; padding-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></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Tangible
    book value (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    tangible common equity (non-GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$797,949</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$845,148</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; 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; white-space: nowrap; padding: 2pt 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; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$778,468</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Period
    end common shares outstanding &ndash; denominator</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,765</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,327</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,427</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 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; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,725</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 2pt 0.75pt 2.5pt; white-space: nowrap; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tangible
    book value (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15.12
    </FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15.85
    </FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-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="border-bottom: Black 2.5pt double; white-space: nowrap; padding-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; border-bottom: Black 2.5pt double; white-space: nowrap; padding-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></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 2pt 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 2pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>cbu-20240423.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.22a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: +aA5w7xRiXgen8uLa3ZcWa6MmbOdzZR+2YkxtmBzbUlqjycg1v0GXC6y9rLm4cUK -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2023" xmlns:us-gaap="http://fasb.org/us-gaap/2023" xmlns:srt="http://fasb.org/srt/2023" xmlns:srt-types="http://fasb.org/srt-types/2023" xmlns:cbu="http://communitybankna.com/20240423" elementFormDefault="qualified" targetNamespace="http://communitybankna.com/20240423">
    <annotation>
      <appinfo>
        <link:roleType roleURI="http://communitybankna.com/role/Cover" id="Cover">
          <link:definition>00000001 - Document - Cover</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:linkbaseRef xlink:type="simple" xlink:href="cbu-20240423_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="cbu-20240423_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd" />
    <import namespace="http://fasb.org/us-gaap/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd" />
    <import namespace="http://fasb.org/us-types/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2023" schemaLocation="https://xbrl.sec.gov/country/2023/country-2023.xsd" />
    <import namespace="http://fasb.org/srt/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd" />
    <import namespace="http://fasb.org/srt-types/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>cbu-20240423_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.22a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel" />
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract" xlink:label="dei_CoverAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CoverAbstract_lbl" xml:lang="en-US">Cover [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:label="dei_DocumentType" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentDescription" xlink:label="dei_AmendmentDescription" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentDescription" xlink:to="dei_AmendmentDescription_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentDescription_lbl" xml:lang="en-US">Amendment Description</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentRegistrationStatement" xlink:label="dei_DocumentRegistrationStatement" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentRegistrationStatement" xlink:to="dei_DocumentRegistrationStatement_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentRegistrationStatement_lbl" xml:lang="en-US">Document Registration Statement</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentAnnualReport" xlink:label="dei_DocumentAnnualReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAnnualReport" xlink:to="dei_DocumentAnnualReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAnnualReport_lbl" xml:lang="en-US">Document Annual Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentQuarterlyReport" xlink:label="dei_DocumentQuarterlyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentQuarterlyReport" xlink:to="dei_DocumentQuarterlyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentQuarterlyReport_lbl" xml:lang="en-US">Document Quarterly Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentTransitionReport" xlink:label="dei_DocumentTransitionReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentTransitionReport" xlink:to="dei_DocumentTransitionReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentTransitionReport_lbl" xml:lang="en-US">Document Transition Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentShellCompanyReport" xlink:label="dei_DocumentShellCompanyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyReport" xlink:to="dei_DocumentShellCompanyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyReport_lbl" xml:lang="en-US">Document Shell Company Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentShellCompanyEventDate" xlink:label="dei_DocumentShellCompanyEventDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyEventDate" xlink:to="dei_DocumentShellCompanyEventDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyEventDate_lbl" xml:lang="en-US">Document Shell Company Event Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodStartDate" xlink:label="dei_DocumentPeriodStartDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodStartDate" xlink:to="dei_DocumentPeriodStartDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodStartDate_lbl" xml:lang="en-US">Document Period Start Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US">Document Fiscal Period Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US">Document Fiscal Year Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPrimarySicNumber" xlink:to="dei_EntityPrimarySicNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine2" xlink:label="dei_EntityAddressAddressLine2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US">Entity Address, Address Line Two</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine3" xlink:label="dei_EntityAddressAddressLine3" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US">Entity Address, Address Line Three</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Extension" xlink:label="dei_Extension" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityReportingObligation" xlink:label="dei_SecurityReportingObligation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityReportingObligation" xlink:to="dei_SecurityReportingObligation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="dei_AuditedAnnualFinancialStatements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditedAnnualFinancialStatements_lbl" xml:lang="en-US">Audited Annual Financial Statements</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US">Entity Voluntary Filers</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US">Entity Current Reporting Status</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US">Entity Interactive Data Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US">Entity Filer Category</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl" xml:lang="en-US">Entity Small Business</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityExTransitionPeriod" xlink:label="dei_EntityExTransitionPeriod" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityExTransitionPeriod" xlink:to="dei_EntityExTransitionPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityExTransitionPeriod_lbl" xml:lang="en-US">Elected Not To Use the Extended Transition Period</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentAccountingStandard" xlink:label="dei_DocumentAccountingStandard" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAccountingStandard" xlink:to="dei_DocumentAccountingStandard_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAccountingStandard_lbl" xml:lang="en-US">Document Accounting Standard</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_OtherReportingStandardItemNumber" xlink:label="dei_OtherReportingStandardItemNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_OtherReportingStandardItemNumber" xlink:to="dei_OtherReportingStandardItemNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_OtherReportingStandardItemNumber_lbl" xml:lang="en-US">Other Reporting Standard Item Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl" xlink:type="arc" />
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>cbu-20240423_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
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<TYPE>XML
<SEQUENCE>9
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.24.1.u1</span><table class="report" border="0" cellspacing="2" id="idm140379080637152">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Apr. 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">Apr. 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>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</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>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</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>
<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</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>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</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>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</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_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</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_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</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:securityTitleItemType</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</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:edgarExchangeCodeItemType</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_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<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>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</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:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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