<SEC-DOCUMENT>0001104659-25-004767.txt : 20250121
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<ACCEPTANCE-DATETIME>20250121092835
ACCESSION NUMBER:		0001104659-25-004767
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20250121
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20250121
DATE AS OF CHANGE:		20250121

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			COMMUNITY FINANCIAL 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:		25540804

	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 SYSTEM, INC.
		DATE OF NAME CHANGE:	20130806

	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
</SEC-HEADER>
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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>

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<p style="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>FORM <span id="xdx_908_edei--DocumentType_c20250121__20250121_zlewSPCjuMyl"><ix:nonNumeric contextRef="AsOf2025-01-21" id="Fact000010" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></p>

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported):
<b><span id="xdx_908_edei--DocumentPeriodEndDate_c20250121__20250121_zayPfyBXV6b5"><ix:nonNumeric contextRef="AsOf2025-01-21" format="ixt:datemonthdayyearen" id="Fact000011" name="dei:DocumentPeriodEndDate">January 21, 2025</ix:nonNumeric></span></b></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"></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: 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">Registrant&#8217;s telephone number, including area code: <b>(<span id="xdx_90F_edei--CityAreaCode_c20250121__20250121_zlNogoCT116l"><ix:nonNumeric contextRef="AsOf2025-01-21" 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"><span style="font-size: 10pt">Not applicable.</span></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">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-top: 0pt; margin-right: 0; margin-bottom: 0pt; 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>

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

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

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

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<td style="width: 1in; text-align: left"><b>Item 2.02</b></td><td style="text-align: justify"><b>	Results of Operations and Financial
                                            Condition.</b></td>
</tr></table>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On January 21, 2025, Community Financial System,
Inc. announced its results of operations for the fourth quarter and fiscal year ended December 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>

<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: 1in"><b>Item 9.01</b></td><td><b>Financial Statements and Exhibits.</b></td></tr></table>

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

<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="tm253890d1_ex99-1.htm" style="-sec-extract: exhibit">99.1</a></td><td><a href="tm253890d1_ex99-1.htm" style="-sec-extract: exhibit">Press Release, dated January 21, 2025, issued by Community Financial 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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<td style="width: 0.5in"/><td style="width: 0.5in">104</td><td>Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)</td></tr></table>

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

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

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

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

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

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<tr style="vertical-align: top; text-align: left">
  <td>&#160;</td>
  <td colspan="2"><b>Community Financial System, Inc.</b></td></tr>
<tr style="vertical-align: top; text-align: left">
  <td style="width: 50%">&#160;</td>
  <td style="width: 5%">&#160;</td>
  <td style="width: 45%">&#160;</td></tr>
<tr style="vertical-align: top; text-align: left">
  <td>&#160;</td>
  <td>By:</td>
  <td style="border-bottom: Black 1pt solid">/s/ Joseph E. Sutaris</td></tr>
<tr style="vertical-align: top; text-align: left">
  <td>&#160;</td>
  <td>Name:</td>
  <td>Joseph E. Sutaris</td></tr>
<tr style="vertical-align: top; text-align: left">
  <td>&#160;</td>
  <td>Title:</td>
  <td>Executive Vice President and
Chief Financial Officer</td></tr>
<tr style="vertical-align: top; text-align: left">
  <td>&#160;</td>
  <td>&#160;</td>
  <td>&#160;</td></tr>
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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 0pt 256.5pt; text-indent: -31.5pt">&#160;</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: January 21, 2025</p>

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

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

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

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

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

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    <td style="font-size: 10pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><a href="tm253890d1_ex99-1.htm" style="-sec-extract: exhibit">Press Release, dated January 21, 2025, issued by Community Financial System, Inc.</a></span></td></tr>
  <tr style="vertical-align: top">
    <td style="font-size: 10pt">&#160;</td>
    <td style="font-size: 10pt">&#160;</td></tr>
  <tr style="vertical-align: top">
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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

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<DESCRIPTION>EXHIBIT 99.1
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<P STYLE="text-align: right; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

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

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

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    <TD STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 52%; padding-right: 5.4pt; padding-left: 5.4pt"><IMG SRC="tm253890d1_ex99-1sp2img001.jpg" ALT="">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
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    <P STYLE="font: 26pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>News Release</U></B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">For further information, please contact:</P></TD></TR>
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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: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">Joseph E. Sutaris, EVP &amp; Chief Financial Officer</P>
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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 Financial System, Inc.
Reports Fourth Quarter And Full Year 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; January 21, 2025 &mdash; Community Financial
System, Inc. (the &ldquo;Company&rdquo;) (NYSE: CBU) reported fourth quarter and full year 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://communityfinancialsystem.com/news</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>Fourth Quarter and Full Year 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>Fourth quarter net income of $49.8 million, or $0.94 per share, increased $0.31 per share from
the prior year&rsquo;s fourth quarter and increased $0.11 per share from the third quarter of 2024 while full year net income of $182.5
million, or $3.44 per share, increased $0.99 per share from the prior year</I></FONT></TD></TR></TABLE>

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

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operating net income<SUP>1</SUP> of $193.9 million, or $3.65 per share increased $0.08 per share from the prior year</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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$19.3 million, or 10.9%, from the prior year&rsquo;s fourth quarter and increased $7.3 million, or 3.9%, from the third quarter of 2024
while full year total revenues of $746.3 million increased $94.2 million, or 14.4%, from the prior year which included a $52.3 million
realized loss on sales of investment securities </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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$10.8 million, or 9.9%, from the prior year&rsquo;s fourth quarter and increased $7.2 million, or 6.4%, from the third quarter of 2024
while full year net interest income of $449.1 million increased $11.8 million, or 2.7%, from the prior year resulting in the eighteenth
consecutive year of net interest income growth</I></FONT></TD></TR></TABLE>

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management services) noninterest revenues of $56.0 million, a new quarterly record for the Company, increased $6.5 million, or 13.1%,
from the prior year&rsquo;s fourth quarter and increased $0.2 million, or 0.4%, from the third quarter of 2024 while full year financial
services noninterest revenues of $217.9 million increased $20.9 million, or 10.6%, from the prior year</I></FONT></TD></TR></TABLE>

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from the third quarter of 2024 while full year operating PPNR<SUP>1 </SUP>of $273.6 million, or $5.15 per share, increased $0.39 per share
from the prior year</I></FONT></TD></TR></TABLE>

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quarter of 2024, marking the fourteenth consecutive quarter of loan growth, and increased $727.8 million, or 7.5%, from the end of the
prior year</I></FONT></TD></TR></TABLE>

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quarter of 2024 and increased $513.6 million, or 4.0%, from the end of the prior year</I></FONT></TD></TR></TABLE>

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standard of 5.0%</I></FONT></TD></TR></TABLE>

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<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0"><I><SUP>1</SUP>Non-GAAP Measure. For more information on Non-GAAP
measures refer to &ldquo;Non-GAAP Measures&rdquo; section along with the Quarterly GAAP to Non-GAAP Reconciliations included within the
 &ldquo;Summary of Financial Data (unaudited)&rdquo; tables included within the Company&rsquo;s earnings release supplement.</I></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10.5pt">&nbsp;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10.5pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10.5pt">&nbsp;</FONT></P>

<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, January 21, 2025, to discuss the fourth quarter and full year 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/0o75WawYdEm</U></FONT><FONT STYLE="font-size: 10.5pt">.</FONT></P>

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

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0"><B>About Community Financial 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 Financial 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 services. Its banking subsidiary, Community Bank, N.A., is among the country&rsquo;s 100 largest banking
institutions with over $16 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 Wealth Management operating unit. The Company is listed on the New York Stock Exchange and the Company&rsquo;s stock
trades under the symbol CBU. For more information about the Company visit <FONT STYLE="color: Blue"><U>www.cbna.com</U> </FONT>or <FONT STYLE="color: Blue"><U>www.communityfinancialsystem.com</U></FONT>.</P>

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

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    <TD STYLE="width: 52%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><IMG SRC="tm253890d1_ex99-1img002.jpg" ALT=""></TD>
    <TD STYLE="text-align: right; width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: bottom">
    <P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 26pt"><B><U>News Release</U></B></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For further information, please contact:</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 8.65pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">5790 Widewaters
    Parkway, DeWitt, N.Y. 13214</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 11pt">Joseph E. Sutaris,
    EVP &amp; Chief Financial Officer</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 11pt">Office: (315)
    445-7396</FONT></P></TD></TR>
  </TABLE>
<P STYLE="font: small-caps 10pt Arial, Helvetica, Sans-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 Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; font-variant: small-caps">Community
Financial System, Inc. Reports Fourth Quarter And Full Year 2024 Results</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-weight: normal">SYRACUSE,
N.Y. &mdash; January 21, 2025</FONT></P>

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

<P STYLE="font: small-caps 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-weight: normal"></FONT></P>
<DIV STYLE="border: Black 1pt solid; background-color: rgb(228,83,44)">
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 5pt; margin: 0pt 0; color: white"><FONT STYLE="font-size: 9.5pt">Community
Financial System, Inc. (the &ldquo;Company&rdquo;) (NYSE: CBU) reported net income of $49.8 million, or $0.94 per share, for the fourth
quarter of 2024 and $182.5 million, or $3.44 per share, for full year 2024.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; padding: 5pt; color: white"><FONT STYLE="font-size: 9.5pt">The Company also reported operating net income, a non-GAAP
measure, of $52.9 million, or $1.00 per share, for the fourth quarter of 2024 and $193.9 million, or $3.65 per share, for full year 2024.&nbsp;</FONT></P></DIV>
<P STYLE="font: small-caps 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

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

<P STYLE="font: small-caps 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-weight: normal"></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(242,242,242); width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 9.5pt; vertical-align: top">
    <TD STYLE="border: Black 1pt solid; font: 9.5pt Arial, Helvetica, Sans-Serif; padding: 5pt; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt">&ldquo;Our
Company had a very solid core operating performance for the fourth quarter with meaningful growth in net income, operating net income,
a non-GAAP measure, and operating pre-tax, pre-provision net revenue (&ldquo;PPNR&rdquo;), a non-GAAP measure, over both last quarter
and the prior year&rsquo;s fourth quarter,&rdquo; commented Dimitar A. Karaivanov, President and CEO. <BR>
<BR>
 &ldquo;Reflecting on 2024, there
is a lot to be pleased about such as margin expansion and excellent liquidity, robust fee income performance, strong credit quality and
well-managed expenses. All four of our businesses &ndash; banking, employee benefit services, insurance services and wealth management
services &ndash; achieved record revenues while our core operating performance improved as evidenced by a record full year operating
PPNR per share, a non-GAAP measure, that increased $0.39, or 8.2%, from last year.&rdquo;</FONT></TD></TR>
  </TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="5" STYLE="padding-right: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Fourth
    Quarter 2024 Performance</U></B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarter-over-<BR>
Quarter
    Increase (Decrease)</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Year-over-Year
    Increase (Decrease)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-right: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B><I>Dollars
    in thousands, except per share data</I></B></FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr<BR>
2024</B></FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr<BR>
 2024</B></FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr<BR>
2023</B></FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>%</B></FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>%</B></FONT></TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="padding-right: 3pt; padding-left: 3pt; width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; padding-top: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Operating
    Performance</B></FONT></TD>
    <TD STYLE="padding-right: 3pt; border-right: Black 1pt solid; padding-left: 3pt; width: 27%; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Diluted
    Earnings Per Share</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; width: 11%; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.94</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; width: 11%; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.83</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; width: 11%; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.63</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; width: 8%; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.11</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; width: 7%; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13.3%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; width: 8%; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.31</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; width: 7%; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49.2%</FONT></TD></TR>
  <TR STYLE="background-color: #EDEDED">
    <TD STYLE="padding-right: 3pt; border-right: Black 1pt solid; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    Diluted Earnings Per Share<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.00</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.88</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.12</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13.6%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.18</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    Pre-Tax, Pre-Provision Net Revenue Per Share<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.40</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.29</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.13</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.5%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.27</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.9%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD ROWSPAN="4" STYLE="padding-right: 3pt; padding-left: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; padding-top: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Return
    Metrics</B></FONT></TD>
    <TD STYLE="padding-right: 3pt; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-left: 3pt; background-color: #EDEDED; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return
    on Assets</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-top: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.21%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-top: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.09%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.87%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.12%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.34%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 3pt; border-right: Black 1pt solid; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    Return on Assets<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.29%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.16%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.13%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.13%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.16%</FONT></TD></TR>
  <TR STYLE="background-color: #EDEDED">
    <TD STYLE="padding-right: 3pt; border-right: Black 1pt solid; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return
    on Equity</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.27%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.21%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.53%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.06%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.74%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 3pt; padding-top: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    Return on Equity<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.99%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.85%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.10%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.14%</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.89%</FONT></TD></TR>
</TABLE>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarter-over-<BR>
Quarter
    Increase (Decrease)</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Year-over-Year
    Increase (Decrease)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B><I>Dollars
    in thousands, except per share data</I></B></FONT></TD>
    <TD STYLE="padding-right: 4pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr<BR>
2024</B></FONT></TD>
    <TD STYLE="padding-right: 4pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr<BR>
 2024</B></FONT></TD>
    <TD STYLE="padding-right: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr<BR>
2023</B></FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="padding-right: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>%</B></FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>%</B></FONT></TD></TR>
  <TR>
    <TD ROWSPAN="6" STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; padding-top: 3pt; text-align: center; width: 12%; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Revenues</B></FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; width: 27%; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    Revenues</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; background-color: #EDEDED; padding-top: 3pt; text-align: right; width: 10%; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$196,287</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; background-color: #EDEDED; padding-top: 3pt; text-align: right; width: 11%; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$188,942</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right; width: 10%; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$176,959</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right; width: 8%; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$7,345</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right; width: 7%; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.9%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right; width: 8%; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$19,328</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; background-color: #EDEDED; padding-top: 3pt; text-align: right; width: 7%; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.9%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    Operating Revenues<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,040</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">189,096</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,907</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,944</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.7%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19,133</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.8%</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest
    Revenues</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,314</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,197</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,769</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">117</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.2%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,545</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    Operating Noninterest Revenues<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,067</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,351</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,717</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(284)</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.4%)</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,350</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.3%</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest
    Revenues/Total Revenues</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.9%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40.3%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.3%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.4%)</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    Noninterest Revenues/Operating Revenues (FTE)<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.6%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40.2%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.1%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.6%)</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.5%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 4pt; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Net
    Interest Income and Margin</B></FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; background-color: #F2F2F2; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    Interest Income</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; background-color: #F2F2F2; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$119,973</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; background-color: #F2F2F2; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$112,745</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; background-color: #F2F2F2; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,190</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; background-color: #F2F2F2; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$7,228</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; background-color: #F2F2F2; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.4%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; background-color: #F2F2F2; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,783</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; background-color: #F2F2F2; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.9%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    Interest Margin</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.17%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.03%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.05%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.14%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.12%</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    Interest Margin (FTE)<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.20%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.05%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.07%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.15%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.13%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 4pt; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD ROWSPAN="4" STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Balance
    Sheet and Funding</B></FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    Ending Loans</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,432,365</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,251,674</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9,704,598</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$180,691</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.8%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$727,767</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7.5%</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    Ending Deposits</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,441,707</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,476,171</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,928,121</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(34,464)</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.3%)</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">513,586</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cost
    of Total Deposits</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.23%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.23%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.98%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.25%</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cost
    of Funds</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.38%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.44%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.08%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.06%)</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.30%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 4pt; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 4pt; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD ROWSPAN="4" STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; padding-top: 3pt; text-align: center; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Risk
    Metrics</B></FONT></TD>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Annualized
    Loan Net Charge-Offs</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.12%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.10%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.01%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02%</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tier
    1 Leverage Ratio</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.19%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.12%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.34%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.15%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan-to-deposit
    ratio</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">77.6%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76.1%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">75.1%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.5%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.5%</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding-right: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; padding-left: 4pt"><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></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">198%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">199%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">198%</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1%)</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding-right: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 3pt; text-align: right; padding-left: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 5pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

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

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><SUP>1</SUP>Non-GAAP Measure.
For more information on Non-GAAP measures refer to &ldquo;Non-GAAP Measures&rdquo; section along with the Quarterly GAAP to Non-GAAP
Reconciliations included within the &ldquo;Summary of Financial Data (unaudited)&rdquo; tables below.</FONT></P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR>
    <TD COLSPAN="5" STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Fourth
    Quarter 2024 Business Segment Results<SUP>2</SUP></U></B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Quarter-over-<BR>
Quarter</B></FONT></P>
    <P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Increase
    (Decrease)</B></FONT></P></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Year-over-Year
<BR>
Increase (Decrease)</B></FONT></P></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B><I>Dollars
    in thousands</I></B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr<BR>
 2024</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr<BR>
 2024</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr<BR>
 2023</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>%</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>%</B></FONT></TD></TR>
  <TR>
    <TD ROWSPAN="5" STYLE="width: 11%; border-left: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DF532C; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Banking
    and Corporate</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 34%; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="width: 8%; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$119,218</FONT></TD>
    <TD STYLE="width: 8%; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$111,846</FONT></TD>
    <TD STYLE="width: 8%; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$108,462</FONT></TD>
    <TD STYLE="width: 8%; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$7,372</FONT></TD>
    <TD STYLE="width: 8%; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.6%</FONT></TD>
    <TD STYLE="width: 8%; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,756</FONT></TD>
    <TD STYLE="width: 7%; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.9%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Provision
    for credit losses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,208</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,709</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,073</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,501)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(19.5%)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,135</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    noninterest revenues</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19,984</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">20,478</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18,167</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(494)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2.4%)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,817</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other
    segment expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">83,454</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">84,170</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">82,531</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(716)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.9%)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">923</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.1%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,540</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$40,445</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$40,025</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9,095</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.5%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9,515</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.8%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD ROWSPAN="4" STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #438C72; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Employee
    Benefit Services</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$579</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$723</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$582</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">($144)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(19.9%)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">($3)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.5%)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    noninterest revenues</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">35,003</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">34,135</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30,902</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">868</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.5%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,101</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment
    expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21,483</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19,621</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18,475</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,862</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.5%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,008</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,099</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,237</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13,009</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">($1,138)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(7.5%)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,090</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD ROWSPAN="4" STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #0099A7; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Insurance
    Services</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$38</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$38</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$26</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.0%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$12</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">46.2%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    noninterest revenues</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,203</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,671</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,621</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,468)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(10.7%)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">582</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment
    expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,478</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,830</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,954</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">648</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.0%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,524</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$763</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$2,879</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,693</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">($2,116)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(73.5%)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">($930)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(54.9%)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD ROWSPAN="4" STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #A29061; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Wealth
    Management Services</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$138</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$138</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$120</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.0%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$18</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    noninterest revenues</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,238</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,242</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,214</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">996</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.8%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,024</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment
    expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,723</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,376</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,585</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(653)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(8.9%)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">138</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.1%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,653</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$2,004</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,749</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,649</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">82.3%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,904</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">108.9%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Proxima Nova Rg; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><SUP>2</SUP></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Refer
to Quarterly Segment Information Reconciliations included within the &ldquo;Summary of Financial Data (unaudited)&rdquo; tables below
for reconciliations of total segment results to consolidated Community Financial System, Inc. results.</FONT></P>

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

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

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

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Company reported fourth
quarter 2024 net income of $49.8 million, or $0.94 per share. This compares to net income of $33.7 million, or $0.63 per share, for the
fourth quarter of 2023. The $0.31 increase in earnings per share was driven by increases in net interest income and noninterest revenues
and decreases in noninterest expenses and the number of fully diluted shares outstanding, partially offset by increases in the provision
for credit losses and income taxes. Comparatively, the Company&rsquo;s diluted earnings per share increased $0.11 from $0.83 per share
for the linked third quarter of 2024 primarily due to increases in net interest income and noninterest revenues and a decrease in the
provision for credit losses, partially offset by increases in income taxes and noninterest expenses.</FONT></P>

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

<P STYLE="font: 10pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Net Interest Income and
Net Interest Margin</B></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: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>The Company&rsquo;s fourteenth
consecutive quarter of loan growth supported continued expansion in interest income while abating funding cost pressures drove lower
interest expense, resulting in net interest income growth and margin expansion. </I></FONT></P>

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            interest income in the fourth quarter of 2024 was $120.0 million, up $10.8 million, or 9.9%,
                                            compared to the fourth quarter of 2023, and up $7.2 million, or 6.4%, from the third quarter
                                            of 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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            interest margin for the fourth quarter of 3.17% and fully tax-equivalent net interest margin,
                                            a non-GAAP measure, of 3.20% increased 12 basis points and 13 basis points, respectively,
                                            from the fourth quarter of 2023. These increases were primarily the result of higher yields
                                            on interest-earning assets and a higher proportion of those assets being comprised of loan
                                            balances due to strong organic loan growth, partially offset by an increase in the cost of
                                            interest-bearing liabilities.</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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            yield on interest-earning assets increased 41 basis points to 4.52% over the prior year&rsquo;s
                                            fourth quarter primarily driven by higher loan yields.</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">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            cost of interest-bearing liabilities increased 36 basis points from 1.48% in the fourth quarter
                                            of 2023 to 1.84% in the fourth quarter of 2024 as a result of market-driven higher deposit
                                            and borrowing rates and change in deposit mix as the proportion of higher cost money market
                                            and time deposit balances increased.</FONT></TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">On a linked quarter basis,
                              net interest margin and fully tax-equivalent net interest margin, a non-GAAP measure, increased by 14 basis
                              points and 15 basis points, respectively. The cost of funds decreased six basis points, including a nine
                              basis point decrease in the cost of interest-bearing liabilities, while the yield on interest-earning assets
                              increased nine basis points. The decrease in the cost of interest-bearing liabilities included a one basis
                              point decrease in the average interest-bearing deposit rate and a 51 basis point decrease in the average
                              borrowing rate impacted by a decrease in the proportion of higher rate average overnight borrowings to
                              total average borrowings.</FONT></TD></TR>
                                                                                                 </TABLE>


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

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

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

<P STYLE="font: 10pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Noninterest Revenues</B></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: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>The Company&rsquo;s banking
and financial services (including employee benefit services, insurance services and wealth management services) noninterest revenue streams
generated 38.8% of total revenues in the fourth quarter.</I></FONT></P>

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></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
                                            revenues, were $20.1 million for the fourth quarter of 2024, an increase of $1.9 million,
                                            or 10.2%, from the fourth quarter of 2023 and a decrease of $0.5 million, or 2.6%, from the
                                            third quarter of 2024. The increase from the prior year&rsquo;s fourth quarter was due in
                                            part to customer interest rate swap fee revenues associated with the Company&rsquo;s recent
                                            implementation of this product offering and an increase in mortgage banking revenues as sales
                                            of secondary market eligible residential mortgage loans rose in the current year. The decrease
                                            from the linked third quarter was primarily due to lower customer interest rate swap fee
                                            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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Employee
                                            benefit services revenues for the fourth quarter of 2024 were $33.9 million, an increase
                                            of $3.9 million, or 13.1%, in comparison to the fourth quarter of 2023 and $0.7 million,
                                            or 2.2%, from the third quarter of 2024, driven by new business and increases in total participants
                                            under administration, along with growth in asset-based fee revenues resulting from market
                                            appreciation. Additionally, the acquisition of certain assets of Creative Plan Designs Limited
                                            on February 1, 2024 added fee revenues related to employee benefit plan design, administration
                                            and consulting that contributed to the year-over-year increase.</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: Arial, Helvetica, Sans-Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Insurance
                                            services revenues for the fourth quarter of 2024 were $12.2 million, which represents a $0.6
                                            million, or 5.0%, increase versus the prior year&rsquo;s fourth quarter and $1.5 million,
                                            or 10.8%, decrease from the third quarter of 2024. The increase from the prior year&rsquo;s
                                            fourth quarter was due to organic and acquired growth in commission revenues, while the decrease
                                            from the linked third quarter was driven by the seasonality of insurance policy renewals.</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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Wealth
                                            management services revenues for the fourth quarter of 2024 totaled $9.9 million, an increase
                                            of $2.0 million, or 24.9%, from the fourth quarter of 2023 and $1.0 million, or 11.0%, from
                                            the third quarter of 2024, reflective of more favorable investment market conditions that
                                            drove increases in assets under management between the periods and an increase in investment
                                            advisory customer accounts.</FONT></TD></TR></TABLE>

<P STYLE="font: 9pt 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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Noninterest Expenses
and Income Taxes</B></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: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><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></FONT></P>

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            Company recorded $125.5 million in total noninterest expenses in the fourth quarter of 2024,
                                            compared to $129.1 million of total noninterest expenses in the prior year&rsquo;s fourth
                                            quarter. The $3.6 million, or 2.8%, decrease between the periods was mainly driven by non-operating
                                            expenses incurred in the prior year&rsquo;s fourth quarter including $5.8 million of litigation
                                            expense, $2.2 million of acquisition-related contingent consideration adjustments and $1.2
                                            million of restructuring expenses. Excluding the impact of these items, noninterest expenses
                                            increased $5.6 million, or 4.7%, primarily due to higher salaries and employee benefits and
                                            data processing and communications 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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Salaries
                                            and employee benefits expenses increased $4.7 million, or 6.5%, primarily driven by merit
                                            and market-related increases in employee wages, higher medical benefit costs and acquisitions
                                            between the periods which increased the number of employees in the financial services businesses,
                                            partially offset by the impact of the previously announced retail banking customer service
                                            workforce optimization plan.</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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Data
                                            processing and communications expenses increased $1.6 million, or 11.2%, reflective of the
                                            Company&rsquo;s continued investment in customer-facing and back-office technologies.</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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            effective tax rate for the fourth quarter of 2024 was 22.8%, down from 23.0% in the fourth
                                            quarter of 2023. The effective tax rate for full year 2024 was 22.9%, up from 21.6% for full
                                            year 2023. Excluding the impact of tax benefits related to stock-based compensation activity
                                            and amortization of income tax credit investments, the effective tax rate for full year 2024
                                            was 19.0%, down from 21.0% for full year 2023, driven by the recognition of certain solar
                                            energy income tax credits during the fourth quarter of 2024.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Financial Position and
Liquidity</B></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: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><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></FONT></P>

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            Company&rsquo;s total assets were $16.39 billion at December 31, 2024, representing an $830.3
                                            million, or 5.3%, increase from one year prior and an $18.7 million, or 0.1%, decrease from
                                            the end of the third quarter of 2024. The increase in the Company&rsquo;s total assets from
                                            the end of the prior year was primarily driven by 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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">At
                                            December 31, 2024, the Company&rsquo;s readily available sources of liquidity totaled $5.77
                                            billion, including unrestricted cash and cash equivalents balances of $191.9 million, investment
                                            securities unpledged as collateral totaling $1.73 billion, unused borrowing capacity at the
                                            Federal Home Loan Bank of New York of $1.18 billion and $2.67 billion of funding availability
                                            at the Federal Reserve Bank&rsquo;s discount window. During the fourth quarter of 2024, the
                                            Company pledged additional loans with the Federal Reserve Bank which increased its total
                                            sources of available liquidity by approximately $1.45 billion.</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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            Company&rsquo;s readily available sources of liquidity represents over 240% of the Company&rsquo;s
                                            estimated uninsured deposits, net of collateralized and intercompany deposits.</FONT></TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD><FONT STYLE="font-family: Symbol"></FONT><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Estimated insured deposits,
net of collateralized and intercompany deposits, represent greater than 80% of fourth quarter total ending deposits.</FONT></TD></TR>
                                                                                                                                           </TABLE>

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<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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Deposits and Funding</B></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: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>The Company continues
to leverage its strong core deposit base, characterized by low funding costs, to support its financial operations.</I></FONT></P>

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending
                                            deposits at December 31, 2024 of $13.44 billion were $34.5 million, or 0.3%, lower than the
                                            end of the third quarter of 2024 due to seasonal outflows of governmental deposit balances.
                                            Ending deposits were $513.6 million, or 4.0%, higher than one year prior primarily driven
                                            by higher governmental deposit balances reflective of competitive offerings and expansion
                                            of governmental deposit relationships due in part to the Company&rsquo;s business development
                                            efforts.</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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending
                                            borrowings of $998.9 million at December 31, 2024, which included $610.6 million of fixed
                                            rate Federal Home Loan Bank of New York term borrowings, $261.6 million of customer repurchase
                                            agreements, $118.0 million of overnight borrowings and $8.7 million of finance lease liabilities,
                                            increased $50.4 million, or 5.3%, from September 30, 2024 and increased $233.7 million, or
                                            30.5%, from one year prior and supplemented the funding of strong 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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            Company&rsquo;s average cost of funds increased 30 basis points, from 1.08% in the fourth
                                            quarter of 2023 to 1.38% in the fourth quarter of 2024, but decreased six basis points from
                                            the third quarter of 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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            quarterly average cost of total deposits of 1.23% remained consistent with the prior two
                                            quarters and comparatively low relative to the industry.</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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></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
                                            59% consumer, 26% business and 15% governmental 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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">65%
                                            of the Company&rsquo;s total deposits were in no and low rate checking and savings accounts
                                            at the end of 2024 and the Company does not currently utilize brokered or wholesale deposits.
                                            Time deposit accounts represented 16% of the Company&rsquo;s total deposits at the end of
                                            2024, up three percentage points from the end of 2023 and consistent with the end of the
                                            prior quarter. The increase from one year ago is reflective of customers responding to changes
                                            in market interest rates by moving funds into higher yielding products.</FONT></TD></TR></TABLE>

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

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

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

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending
                                            loans at December 31, 2024 of $10.43 billion were $180.7 million, or 1.8%, higher than September
                                            30, 2024 and $727.8 million, or 7.5%, higher than one year prior driven by net organic growth
                                            in the overall business and consumer lending portfolios.</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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">At
                                            December 31, 2024, the Company&rsquo;s allowance for credit losses totaled $79.1 million,
                                            or 0.76% of total loans outstanding, compared to $76.2 million, or 0.74% of total loans outstanding,
                                            at September 30, 2024 and $66.7 million, or 0.69% of total loans outstanding, 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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            Company recorded a $6.2 million provision for credit losses during the fourth quarter of
                                            2024 reflective of a slight decline in certain asset quality metrics, an increase in loans
                                            outstanding and a stable economic forecast. While certain macroeconomic concerns still persist
                                            related to non-owner occupied and multifamily CRE, the Company&rsquo;s exposure to these
                                            portfolios remains diverse both geographically and by property type, and relatively low at
                                            16% of total assets, 24% of total loans and 198% of total bank-level regulatory capital.
                                            Additionally, the current levels of delinquencies, charge-offs and criticized risk rated
                                            loans within these portfolios remain below long-term historical averages, reflecting the
                                            strong asset quality of these portfolios.</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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            Company recorded net charge-offs of $3.2 million, or an annualized 0.12% of average loans,
                                            in the fourth quarter of 2024 compared to net charge-offs of $2.3 million, or an annualized
                                            0.10% of average loans, in the fourth quarter of 2023 and net charge-offs of $2.8 million,
                                            or an annualized 0.11% of average loans, in the third quarter of 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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
                                            delinquent loans, which includes loans 30 or more days past due and nonaccrual loans, as
                                            a percentage of total loans outstanding was 1.24% at the end of 2024. This compares to 1.06%
                                            at the end of 2023 and 1.07% at September 30, 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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">At
                                            December 31, 2024, nonperforming (90 or more days delinquent and non-accruing) loans were
                                            $73.4 million, or 0.70% of total loans outstanding compared to $62.8 million, or 0.61% of
                                            total loans outstanding at September 30, 2024 and $54.6 million, or 0.56% of total loans
                                            outstanding one year earlier. The increase in nonperforming loans during the fourth quarter
                                            of 2024 was primarily attributable to an increase in nonaccrual business lending loan balances,
                                            driven largely by the performance of one relationship in the multifamily CRE 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: Arial, Helvetica, Sans-Serif; font-size: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></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 0.54% of total loans outstanding at December
                                            31, 2024, up from 0.46% at the end of the third quarter of 2024 and 0.50% one year earlier.</FONT></TD></TR></TABLE>

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

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

<P STYLE="font: 10pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Shareholders&rsquo; Equity
and Regulatory Capital</B></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: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>The Company&rsquo;s capital
planning and management activities, coupled with its diversified streams of revenue and prudent dividend practices, have allowed it to
build and maintain a strong capital position. At December 31, 2024, all of the Company&rsquo;s and Community Bank, N.A.&rsquo;s regulatory
capital ratios significantly exceeded well-capitalized standards.</I></FONT></P>

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&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="padding-top: 1pt; width: 0.25in; padding-bottom: 1pt"></TD><TD STYLE="padding-top: 1pt; width: 0.25in; padding-bottom: 1pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shareholders&rsquo;
                                            equity of $1.76 billion at December 31, 2024 was $64.9 million, or 3.8%, higher than one
                                            year ago, primarily due to an $86.5 million increase in retained earnings, partially offset
                                            by a $44.9 million increase in treasury stock due to share repurchases. Shareholders&rsquo;
                                            equity decreased $22.1 million, or 1.2%, from September 30, 2024, primarily driven by a $62.6
                                            million increase in accumulated other comprehensive loss related to the Company&rsquo;s investment
                                            securities portfolio, partially offset by a $25.5 million increase in retained earnings.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 1pt; width: 0.25in; padding-bottom: 1pt"></TD><TD STYLE="padding-top: 1pt; width: 0.25in; padding-bottom: 1pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            Company&rsquo;s shareholders&rsquo; equity to assets ratio was 10.76% at December 31, 2024,
                                            down from 10.92% at December 31, 2023 and 10.88% at September 30, 2024.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 1pt; width: 0.25in; padding-bottom: 1pt"></TD><TD STYLE="padding-top: 1pt; width: 0.25in; padding-bottom: 1pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            Company&rsquo;s tier 1 leverage ratio of 9.19% at December 31, 2024 decreased 15 basis points
                                            from one year earlier and increased seven basis points from September 30, 2024, remaining
                                            substantially above the regulatory well-capitalized standard of 5.0%.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 1pt; width: 0.25in; padding-bottom: 1pt"></TD><TD STYLE="padding-top: 1pt; width: 0.25in; padding-bottom: 1pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            Company&rsquo;s tangible equity to tangible assets ratio (non-GAAP) was 5.83% at December
                                            31, 2024, up from 5.75% a year earlier and down from 5.97% at September 30, 2024. Tangible
                                            equity (non-GAAP) increased $60.8 million, or 7.2%, from one year prior due to the aforementioned
                                            increase in retained earnings, partially offset by the impact of share repurchases between
                                            the periods. Tangible assets (non-GAAP) increased $826.2 million, or 5.6%, from the prior
                                            year due primarily to organic loan growth.</FONT></TD></TR></TABLE>

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

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

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><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 2024 marked the 32<SUP>nd</SUP> consecutive year of dividend increases for the Company.</I></FONT></P>

<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&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">&middot;</FONT></TD><TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">During
                                            the fourth quarter of 2024, the Company declared a quarterly cash dividend of $0.46 per share
                                            on its common stock, up 2.2% from the $0.45 dividend declared in the fourth quarter of 2023,
                                            representing an annualized yield of 2.9% based upon on the $63.26 closing price of the Company&rsquo;s
                                            stock on January 17, 2025.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">In
                                            December 2024, the Company&rsquo;s Board of Directors (the &ldquo;Board&rdquo;) approved
                                            a stock repurchase program authorizing the repurchase of up to 2.63 million shares, or 5.0%
                                            of the Company&rsquo;s common stock outstanding during the twelve-month period starting January
                                            1, 2025. Such repurchases may be made at the discretion of the Company&rsquo;s senior management
                                            based on market conditions and other relevant factors and will be acquired through open market
                                            or privately negotiated transactions as permitted under Rule 10b-18 of the Securities Exchange
                                            Act of 1934 and other applicable regulatory and legal requirements. As previously announced,
                                            in December 2023 the Board approved a stock repurchase program authorizing the repurchase
                                            of up to 2.70 million shares of the Company&rsquo;s stock during a twelve-month period starting
                                            January 1, 2024. There were 1,000,000 shares repurchased pursuant to the 2024 stock repurchase
                                            program in 2024. No shares were repurchased pursuant to the 2024 stock repurchase program
                                            in the fourth quarter of 2024. The 2024 stock repurchase authorization expired on December
                                            31, 2024.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Non-GAAP Measures</B></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: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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, 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, 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.</FONT></P>




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

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

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<P STYLE="font: 10pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Conference Call Scheduled</B></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: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Company management will conduct
an investor call at 11:00 a.m. (ET) today, January 21, 2025, to discuss the fourth quarter and full year 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/0o75WawYdEm</U></FONT>.</FONT></P>

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

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

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

<P STYLE="font: 10pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>About Community Financial
System, Inc.</B></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: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Community Financial 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 services. Its banking subsidiary, Community Bank, N.A., is among the country&rsquo;s 100 largest
banking institutions with over $16 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 Wealth Management operating
unit. The Company 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>www.communityfinancialsystem.com</U></FONT>.</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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Forward-Looking Statements</B></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: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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>www.communityfinancialsystem.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.</FONT></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: 1.5pt 0.75pt; vertical-align: top; text-align: left; white-space: nowrap; width: 51%"><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="padding-top: 1.5pt; white-space: nowrap; width: 12%; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; width: 12%; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; width: 13%; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; width: 12%; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 0.75pt; vertical-align: top; text-align: left; 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="border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarter
    Ended</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; padding-top: 1.5pt; border-bottom: Black 1pt solid; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Year-to-Date</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; vertical-align: top; text-align: left; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>December
    31, <BR>
2024</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>December
    31, <BR>
2023</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>December
    31, <BR>
2024</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>December
    31, <BR>
2023</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; vertical-align: top; text-align: left; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Earnings</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan
    income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$144,638</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$122,392</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$545,767</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$445,167</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Investment
    income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">25,293</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23,934</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">97,761</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">96,221</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">169,931</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">146,326</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">643,528</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">541,388</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Interest
    expense</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,958</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37,136</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">194,411</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">104,103</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">119,973</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">109,190</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">449,117</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">437,285</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Provision
    for credit losses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,208</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,073</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22,773</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,203</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">113,765</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">105,117</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">426,344</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">426,082</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Deposit
    service and other banking fees</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19,315</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18,003</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74,123</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">69,377</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Mortgage
    banking</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">746</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,421</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">595</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Employee
    benefit services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,950</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30,015</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">130,981</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">117,961</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Insurance
    services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,181</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,599</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50,249</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,094</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Wealth
    management services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,875</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,904</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36,668</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">31,941</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(487)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52,329)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">242</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Unrealized
    gain (loss) on equity securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">247</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,231</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(47)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    noninterest revenues</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,314</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,769</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">297,186</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">214,834</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Salaries
    and employee benefits</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,247</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">71,595</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">300,779</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">281,803</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Data
    processing and communications</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,327</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,685</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61,843</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57,585</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Occupancy
    and equipment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,995</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,715</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,658</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">42,550</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,437</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,563</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,259</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,511</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Legal
    and professional fees</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,800</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,792</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,323</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,921</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Business
    development and marketing</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,510</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,635</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,059</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,731</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Acquisition-related
    contingent consideration adjustments</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;400</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,200</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">244</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,280</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Litigation
    accrual</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(83)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,800</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">138</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,800</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Acquisition
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">213</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">63</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,163</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,163</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,898</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,936</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">34,309</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">34,278</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    noninterest expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">125,539</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">129,091</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">486,825</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">472,685</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Income
    before income taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64,540</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,795</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">236,705</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">168,231</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Income
    taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,747</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,089</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">54,224</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36,307</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top; text-indent: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,793</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$182,481</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$131,924</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Basic
    earnings per share</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.94
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.63
    </FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3.44</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$2.45</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; text-align: left; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Diluted
    earnings per share</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.94
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.63
    </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3.44</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$2.45</FONT></TD></TR>
  </TABLE>



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<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"></P>

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<P STYLE="font: 9pt Proxima Nova Rg; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></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: 1.5pt 0.75pt; 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="padding-top: 1.5pt; white-space: nowrap; width: 9%; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; width: 9%; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; width: 9%; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; width: 9%; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; width: 9%; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.75pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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 COLSPAN="4" STYLE="padding: 1.5pt 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>2024</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; border-right: Black 1pt solid; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-top: Black 1pt solid; padding: 1.5pt 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>Earnings</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; 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="border-top: Black 1pt solid; padding: 1.5pt 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="border-top: Black 1pt solid; padding: 1.5pt 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="border-top: Black 1pt solid; padding: 1.5pt 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">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 1.5pt 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">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan
    income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$144,638</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$140,472</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$133,159</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$127,498</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$122,392</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Investment
    income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">25,293</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23,428</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23,879</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">25,161</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23,934</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">169,931</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">163,900</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">157,038</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">152,659</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">146,326</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Interest
    expense</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,958</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">51,155</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,629</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,669</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37,136</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">119,973</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">112,745</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">109,409</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">106,990</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">109,190</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,208</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,709</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,708</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,148</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,073</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">113,765</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">105,036</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">106,701</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100,842</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">105,117</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19,315</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19,537</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,364</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,907</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18,003</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Mortgage
    banking</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">746</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,055</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,275</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">345</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Employee
    benefit services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,950</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,215</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">32,118</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">31,698</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30,015</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Insurance
    services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,181</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,652</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,307</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,109</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,599</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Wealth
    management services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,875</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,892</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,691</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,210</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,904</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(255)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(232)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Unrealized
    gain on equity securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">247</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">101</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">867</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,314</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,197</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74,390</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">70,285</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,769</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,247</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">78,022</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">73,447</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">73,063</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">71,595</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,327</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,894</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,274</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,348</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,685</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Occupancy
    and equipment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,995</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,586</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,715</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,362</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,715</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,437</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,369</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,877</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,576</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,563</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,800</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,723</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,459</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,341</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,792</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,510</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,365</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,139</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,045</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,635</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">400</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(156)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,200</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Litigation
    accrual</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(83)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">102</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">119</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,800</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Acquisition
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">104</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">35</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,163</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,898</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,232</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,984</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,195</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,936</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">125,539</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">124,203</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">118,999</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">118,084</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">129,091</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64,540</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57,030</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62,092</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,043</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,795</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Income
    taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,747</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,129</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,177</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,171</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,089</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,793</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,901</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,915</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$40,872</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.94</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.83</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.77
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.63
    </FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Diluted
    earnings per share</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.94</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.83</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.76
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.63
    </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Profitability
    (GAAP)</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.21%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.09%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.22%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.04%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.87%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.27%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.21%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.79%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.78%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.53%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.9%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40.3%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40.5%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">39.6%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Efficiency
    ratio (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.0%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">65.7%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.7%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; 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-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">72.9%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="border: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Profitability
    (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 3.75pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Operating
    return on assets (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.29%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.16%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.29%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.11%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.13%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Operating
    return on equity (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.99%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.85%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.43%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.47%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.10%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Return
    on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.97%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">20.53%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24.90%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19.94%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18.75%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Operating
    return on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.36%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.80%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.25%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.36%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24.38%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Operating
    noninterest revenues/operating revenues (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.6%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40.2%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40.1%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">39.4%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.1%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61.8%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">63.6%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62.5%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.1%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">65.4%</FONT></TD></TR>
</TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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 COLSPAN="4" STYLE="padding: 1.5pt 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 STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 1.45pt; 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: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Components
    of Net Interest Margin (FTE)</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Loan
    yield</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.58%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.51%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.38%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.25%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.08%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Cash
    equivalents yield</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.71%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.90%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.10%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.39%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.49%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Investment
    yield</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.15%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.05%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.11%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.02%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.03%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Earning
    asset yield</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.52%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.43%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.35%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.24%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.11%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Interest-bearing
    deposit rate</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.68%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.69%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.68%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.56%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.37%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Borrowing
    rate</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.57%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.08%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.71%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.81%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.12%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Cost
    of all interest-bearing funds</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.84%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.93%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.83%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.77%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.48%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Cost
    of total deposits</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.23%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.23%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.23%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.14%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.98%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Cost
    of funds (includes noninterest-bearing deposits)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.38%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.44%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.37%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.31%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.08%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Net
    interest margin</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.17%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.03%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.01%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.95%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.05%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Net
    interest margin (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.20%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.05%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.04%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.98%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.07%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Fully
    tax-equivalent adjustment (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$882</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$872</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$953</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,014</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,037</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Average
    Balances</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.2pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,331,217</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,155,343</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9,969,462</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9,788,707</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9,583,396</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cash
    equivalents</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">93,910</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38,481</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">48,872</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">230,299</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">113,071</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Taxable
    investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,187,538</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,165,783</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,119,882</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,071,256</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,032,386</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nontaxable
    investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">423,323</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">436,762</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">466,757</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">488,381</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">493,434</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,035,988</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,796,369</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,604,973</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,578,643</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,222,287</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,324,320</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,058,219</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,778,974</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,796,867</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,333,131</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Interest-bearing
    deposits</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,871,799</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,537,203</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,679,296</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,462,083</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,266,908</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Borrowings</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">915,475</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,030,199</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">785,946</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">936,588</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">665,322</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,787,274</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,567,402</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,465,242</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,398,671</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,932,230</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest-bearing
    deposits</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,603,416</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,611,755</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,534,516</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,570,902</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,706,781</FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shareholders'
    equity</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,757,467</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,709,791</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,633,875</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,681,211</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,567,381</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Balance
    Sheet Data</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$197,004</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$346,110</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$201,493</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$190,962</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,218,386</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,287,551</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,166,562</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,165,312</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,505,178</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,391,629</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,294,173</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,084,396</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,489,780</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,427,317</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,368,166</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,285,018</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,767,655</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,780,586</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,723,002</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,703,440</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">477,425</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">460,964</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">452,013</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">446,515</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">192,327</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">191,178</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">186,503</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">185,229</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,432,365</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,251,674</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,023,857</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,704,598</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">79,114</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,167</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">71,442</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66,669</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">901,471</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">900,623</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">905,780</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">897,987</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">715,932</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">694,909</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">680,566</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">663,563</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,386,044</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,404,700</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,906,816</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,555,753</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,557,219</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,586,845</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,649,389</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,638,527</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,707,037</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,704,925</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,446,935</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,569,131</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,177,451</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,184,401</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,041,564</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,720,463</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,441,707</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,476,171</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,137,888</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,928,121</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">261,553</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">317,448</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">215,453</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">304,595</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">737,312</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">630,970</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">716,721</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">460,603</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">182,637</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">195,164</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">166,574</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">164,497</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,623,209</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,619,753</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,236,636</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,857,816</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,762,835</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,784,947</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,670,180</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,697,937</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,386,044</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,404,700</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,906,816</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,555,753</FONT></TD></TR>
</TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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 COLSPAN="4" STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-top: Black 1pt solid; padding: 1.5pt 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>Capital
    and Other</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Shareholders&rsquo;
    equity/total assets (GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.76%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.88%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.50%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.45%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.92%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Tangible
    equity/tangible assets (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.83%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.97%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.38%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.32%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.75%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Tier
    1 leverage ratio</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.19%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.12%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.07%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.01%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.34%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Loan-to-deposit
    ratio</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">77.6%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76.1%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76.3%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74.0%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">75.1%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Diluted
    weighted average common shares outstanding</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,078</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,911</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,935</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,467</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,665</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Period
    end common shares outstanding</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,668</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,546</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,523</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,765</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,327</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Cash
    dividends declared per common share</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.46
    </FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.46
    </FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.45
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.45
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.45
    </FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Book
    value (GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33.47
    </FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33.97
    </FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$31.80
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$31.40
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$31.84
    </FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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">Tangible
    book value (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$17.20
    </FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$17.66
    </FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15.41
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15.12
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15.85
    </FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$61.68
    </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58.07
    </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47.21
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$48.03
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52.11
    </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 1.5pt 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>Asset
    Quality</B></FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nonaccrual
    loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$66,387</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$59,013</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,407</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$44,904</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$48,687</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,000</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,833</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,106</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,554</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,886</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">73,387</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62,846</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50,513</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,458</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">54,573</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,781</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,279</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,662</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,742</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,159</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,168</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">65,125</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,175</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">51,200</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">55,732</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    charge-offs</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,211</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,772</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,286</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,840</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,337</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.74%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.71%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.71%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.69%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.70%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.61%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.50%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.50%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.56%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">108%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">121%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">141%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">142%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">122%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.12%</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.05%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.12%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.10%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.24%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.07%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.95%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.93%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.06%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">193%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">278%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">211%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">216%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">174%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.46%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.40%</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.33%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.32%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.36%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 0.75pt; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;</B>Net
    income (GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,793</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,901</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,915</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$40,872</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,747</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,129</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,177</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,171</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,089</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64,540</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57,030</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62,092</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,043</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,795</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,208</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,709</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;2,708</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;6,148</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;4,073</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">70,748</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64,739</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64,800</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">59,191</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,868</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">104</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">35</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">400</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(156)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,200</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,163</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(83)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">102</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">119</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,800</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">255</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">232</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Unrealized
    gain on equity securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(247)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(101)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(867)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(16)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,437</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,369</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,877</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,576</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,563</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid"><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-bottom: Black 2.5pt double; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$74,263</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$68,274</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$68,146</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$62,905</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$60,549</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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="margin: 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: 1.5pt 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: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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 COLSPAN="4" STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Diluted
    earnings per share (GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.94</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.83</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.76</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.63</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Income
    taxes</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.28</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.25</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.26</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.23</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.19</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Income
    before income taxes</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.22</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.08</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.17</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.99</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;</B>Provision
    for credit losses</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 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="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.15</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.12</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B>Pre-tax,
    pre-provision net revenue per share (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.33</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.23</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.23</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.11</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.89</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;</B>Acquisition
    expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Acquisition-related
    contingent consideration adjustments</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.04</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Restructuring
    expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Litigation
    accrual</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;</B>Unrealized
    gain on equity securities</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;</B>Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B>Operating
    pre-tax, pre-provision net revenue per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.40</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.29</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.29</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.18</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.13</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,793</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,901</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,915
    </FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706
    </FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">104</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">35</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(15)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(23)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,800</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,952</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,996</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,712</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;400</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(156)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,200</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(41)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">35</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(443)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50,159</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,831</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,996</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">35,469</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,163</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(234)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50,159</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,831</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,996</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36,398</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(83)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">102</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">119</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,800</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;8</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(23)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(26)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,168)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50,084</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,910</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,996</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">41,030</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">255</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">232</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(58)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50,084</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,107</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">48,176</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">41,030</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Unrealized
    gain on equity securities</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(247)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(101)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(867)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(16)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of unrealized gain on equity securities</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">25</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">193</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,862</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,029</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,502</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,988</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,437</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,369</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,877</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,563</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(350)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(762)</FONT></TD>
    <TD STYLE="padding: 1.5pt 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;(864)</FONT></TD>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 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;(718)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52,949</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46,636</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$50,515</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-right: Black 1pt solid; padding: 1.5pt 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; border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,833</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
</TABLE>

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

<P STYLE="margin: 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: 1.5pt 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: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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 COLSPAN="4" STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Operating
    diluted earnings per share (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Diluted
    earnings per share (GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.94</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.83</FONT></TD>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.63
    </FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses </FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 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>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; 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; padding: 1.5pt 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-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.94</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.83</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.63</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.04</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; 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; padding: 1.5pt 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-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; 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: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.94</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.83</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.66</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; 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; padding: 1.5pt 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-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.94</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.83</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.68</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; 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; padding: 1.5pt 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-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.03)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.94</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.83</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; 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; padding: 1.5pt 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-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.94</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.83</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Unrealized
    gain on equity securities</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of unrealized gain on equity securities</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; 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; padding: 1.5pt 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-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.94</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.83</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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; padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 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>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; 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; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; 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: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.00</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.88</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.95</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 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="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.82</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Return
    on assets</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,793</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,901</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,915</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706
    </FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total assets</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,324,320</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,058,219</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,778,974</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,796,867</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,333,131</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.21%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.09%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.22%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.04%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.87%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    return on assets (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Operating
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52,949</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46,636</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$50,515</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,769</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total assets</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,324,320</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,058,219</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,778,974</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,796,867</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,333,131</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.29%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.29%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.11%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.13%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Return
    on equity</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,793</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,901</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,915
    </FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,706
    </FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total equity</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,757,467</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,709,791</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,633,875</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,681,211</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,567,381</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.27%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.21%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.79%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.78%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.53%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    return on equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Operating
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52,949</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46,636</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$50,515</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,769</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total equity</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,757,467</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,709,791</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,633,875</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,681,211</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,567,381</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.99%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.85%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.43%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.47%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.10%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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="margin: 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: 1.5pt 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: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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 COLSPAN="4" STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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>Net
    interest margin</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Net
    interest income</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$119,973</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$112,745</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,409</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$106,990</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,190</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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
    average interest-earning assets</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,035,988</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,796,369</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,604,973</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,578,643</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,222,287</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;&nbsp;&nbsp;&nbsp;Net
    interest margin</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.17%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.03%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.01%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.95%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.05%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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>Net
    interest margin (FTE) (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Net
    interest income</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$119,973</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$112,745</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,409</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$106,990</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,190</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Fully
    tax-equivalent adjustment (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">882</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">872</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">953</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,014</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,037</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;</B>Fully
    tax-equivalent net interest income (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">120,855</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">113,617</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">110,362</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">108,004</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">110,227</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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
    average interest-earning assets</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,035,988</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,796,369</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,604,973</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,578,643</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,222,287</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;&nbsp;&nbsp;&nbsp;Net
    interest margin (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.20%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.04%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.98%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.07%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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
    noninterest revenues (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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>Noninterest
    revenues (GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,314</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,197</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$74,390</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,769</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">255</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">232</FONT></TD>
    <TD STYLE="padding: 1.5pt 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</FONT></TD>
    <TD STYLE="padding: 1.5pt 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</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;</B>Unrealized
    gain on equity securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(247)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(101)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(867)</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">(16)</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">(52)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;&nbsp;</B>Total
    operating noninterest revenues (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,067</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,351</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$73,755</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$70,269</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,717</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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
    noninterest expenses (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Noninterest
    expenses (GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$125,539</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$124,203</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$118,999</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$129,091</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(66)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(104)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(35)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(7)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(400)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">156</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2,200)
    </FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,163)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;83</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(102)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(119)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(5,800)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 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="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,437)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(3,369)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,877)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,563)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$121,777</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$120,822</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$115,018</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$114,354</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$116,358</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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
    revenues (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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>Net
    interest income (GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$119,973</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$112,745</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,409</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,190</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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>Noninterest
    revenues (GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,314</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,197</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74,390</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">70,285</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">67,769</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;&nbsp;</B>Total
    revenues (GAAP) </FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,287</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">188,942</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">183,799</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,959</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">255</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">232</FONT></TD>
    <TD STYLE="padding: 1.5pt 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</FONT></TD>
    <TD STYLE="padding: 1.5pt 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</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;</B>Unrealized
    gain on equity securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(247)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(101)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(867)</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">(16)</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">(52)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;&nbsp;</B>Total
    operating revenues (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$196,040</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$189,096</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$183,164</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$177,259</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$176,907</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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>Noninterest
    revenues/total revenues</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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>Total
    noninterest revenues (GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,314</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,197</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$74,390</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">$70,285</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">$67,769</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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>Total
    revenues (GAAP) &ndash; denominator</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,287</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">188,942</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">183,799</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">177,275</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">176,959</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;&nbsp;</B>Noninterest
    revenues/total revenues (GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.9%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40.3%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40.5%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">39.6%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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
    noninterest revenues/operating revenues (FTE) (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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>Total
    operating noninterest revenues (non-GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,067</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,351</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$73,755</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">$70,269</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">$67,717</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    operating revenues (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,040</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">189,096</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">183,164</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,259</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,907</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Fully
    tax-equivalent adjustment (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">882</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">872</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">953</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,014</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,037</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><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-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,922</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">189,968</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">184,117</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">178,273</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,944</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;&nbsp;</B>Operating
    noninterest revenues/operating revenues (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.6%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40.2%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40.1%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">39.4%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.1%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
</TABLE>

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<P STYLE="margin: 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: 1.5pt 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: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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 COLSPAN="4" STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-top: Black 1pt solid; padding: 1.5pt 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="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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>Efficiency
    ratio (GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Total
    noninterest expenses (GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$125,539</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$124,203</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$118,999</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">$118,084</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">$129,091</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,287</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">188,942</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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">183,799</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; 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">176,959</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">65.7%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.7%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66.6%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">72.9%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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
    efficiency ratio (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Total
    operating noninterest expenses (non-GAAP) - numerator</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$121,777</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$120,822</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$115,018</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">$114,354</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">$116,358</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    operating revenues (FTE) (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,922</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">189,968</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">184,117</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">178,273</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,944</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61.8%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">63.6%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62.5%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.1%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">65.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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>Total
    tangible assets (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    assets (GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$16,386,044</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$16,404,700</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,906,816</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,555,753</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Goodwill
    and intangible assets, net</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(901,471)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(900,623)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(905,780)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(897,987)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,618</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,832</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,921</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">45,433</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,198</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,529,191</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,547,909</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,045,957</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,999,664</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,702,964</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Total
    tangible common equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Shareholders'
    equity (GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,762,835</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,784,947</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,670,180</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,697,937</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Goodwill
    and intangible assets, net</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(901,471)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(900,623)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(905,780)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(897,987)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,618</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,832</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,921</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">45,433</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,198</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$905,982</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$928,156</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$809,321</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$797,949</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$845,148</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><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: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,762,835</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,784,947</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,670,180</FONT></TD>
    <TD STYLE="padding: 1.5pt 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,697,937</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    assets (GAAP) &ndash; denominator</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,386,044</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,404,700</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,906,816</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">15,858,670</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,555,753</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.76%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.88%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.50%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.45%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.92%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><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: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$905,982</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$928,156</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$809,321</FONT></TD>
    <TD STYLE="padding: 1.5pt 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$845,148</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    tangible assets (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,529,191</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,547,909</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,045,957</FONT></TD>
    <TD STYLE="padding: 1.5pt 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">14,999,664</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,702,964</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; 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-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.83%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.97%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.38%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.32%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.75%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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>Return
    on tangible equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Net
    income (GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,793</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,901</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,915
    </FONT></TD>
    <TD STYLE="padding: 1.5pt 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">$40,872
    </FONT></TD>
    <TD STYLE="padding: 1.5pt 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">$33,706
    </FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Average
    shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,757,467</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,709,791</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,633,875</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,681,211</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,567,381</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Average
    goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(900,118)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(903,281)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(905,134)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(902,215)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(899,027)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Average
    deferred taxes on goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,225</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,376</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,177</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,315</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,896</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Average
    tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">901,574</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">850,886</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">773,918</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">824,311</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">713,250</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;&nbsp;&nbsp;&nbsp;&nbsp;Return
    on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.97%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">20.53%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24.90%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19.94%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18.75%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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
    return on tangible equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;</B>Operating
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52,949</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46,636</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$50,515</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 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-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,833</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;</B>Average
    tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">901,574</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">850,886</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">773,918</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">824,311</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">713,250</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Operating
    return on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.36%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.80%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.25%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.36%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24.38%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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="margin: 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: 1.5pt 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: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; padding-right: 2.65pt; padding-bottom: 1.5pt; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; text-align: right; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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 COLSPAN="4" STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2024</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="border: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 1.5pt; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2.65pt; padding-bottom: 1.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap"><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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,762,835</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,784,947</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,670,180</FONT></TD>
    <TD STYLE="padding: 1.5pt 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,697,937</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Period
    end common shares outstanding &ndash; denominator</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,668</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,546</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,523</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,765</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,327</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;&nbsp;&nbsp;&nbsp;Book
    value (GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33.47</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33.97</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$31.80
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$31.40
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$31.84
    </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$905,982</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$928,156</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$809,321</FONT></TD>
    <TD STYLE="padding: 1.5pt 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$845,148</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;Period
    end common shares outstanding &ndash; denominator</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,668</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,546</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,523</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,765</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,327</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 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;&nbsp;&nbsp;&nbsp;Tangible
    book value (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$17.20</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$17.66</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15.41
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15.12
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15.85
    </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.5pt 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-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
</TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 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 STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border: Black 1pt solid; padding: 1.5pt 0.75pt; background-color: #BFBFBF"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    Segment Information Reconciliations</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; background-color: #BFBFBF; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; background-color: #BFBFBF; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; background-color: #BFBFBF; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Reconciliation
    of total segment adjusted income before income taxes to total consolidated income before income taxes</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    segment adjusted income before income taxes</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$68,055</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$60,565</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$56,476</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(255)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Unrealized
    gain on equity securities</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">247</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">101</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,437)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,369)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">83</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(102)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition-related
    contingent consideration adjustments</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(400)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">156</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(8)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(66)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(7)</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; 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; border-bottom: Black 1pt solid; padding: 1.5pt 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="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    consolidated income before income taxes</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$64,540</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$57,030</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,795</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1.5pt 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Reconciliation
    of total segment operating noninterest revenues to total consolidated noninterest revenues</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 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; padding: 1.5pt 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    segment operating noninterest revenues</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$77,428</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$77,526</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$68,904</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Elimination
    of intersegment revenues</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,361)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,175)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,187)</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; 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; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(255)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Unrealized
    gain on equity securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">247</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">101</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-left: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    consolidated noninterest revenues</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,314</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,197</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,769</FONT></TD>
    <TD STYLE="padding: 1.5pt 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: 1.5pt 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="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 1.5pt 0.75pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 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; border-bottom: Black 1pt solid; padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 0.75pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.5pt 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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

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

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

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<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>cbu-20250121.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.25a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: +aA5w7xRiXgen8uLa3ZcWa6O6bOdzZR+6YkxtmB7bSnqTyIouNhariHm9lAGISoN -->
<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/20250121" elementFormDefault="qualified" targetNamespace="http://communitybankna.com/20250121">
    <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>
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        <link:linkbaseRef xlink:type="simple" xlink:href="cbu-20250121_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-20250121_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>
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    <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>
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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>cbu-20250121_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: 5.25a -->
    <!-- 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" />
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      <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" />
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      <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" />
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      <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" />
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      <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" />
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      <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>
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      <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" />
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      <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" />
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      <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>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
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      <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>
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      <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>
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      <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>
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      <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>
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      <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>
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      <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>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>cbu-20250121_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
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    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
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end
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.24.4</span><table class="report" border="0" cellspacing="2" id="idm45882732831824">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Jan. 21, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jan. 21,  2025<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 FINANCIAL 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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</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>
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<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_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>
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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 style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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