<SEC-DOCUMENT>0001104659-26-050927.txt : 20260429
<SEC-HEADER>0001104659-26-050927.hdr.sgml : 20260429
<ACCEPTANCE-DATETIME>20260429082537
ACCESSION NUMBER:		0001104659-26-050927
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20260429
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20260429
DATE AS OF CHANGE:		20260429

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
		EIN:				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:		26910689

	BUSINESS ADDRESS:	
		STREET 1:		333 BUTTERNUT DRIVE
		CITY:			SYRACUSE
		STATE:			NY
		ZIP:			13214
		BUSINESS PHONE:		8007242262

	MAIL ADDRESS:	
		STREET 1:		333 BUTTERNUT DRIVE
		CITY:			SYRACUSE
		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>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>tm2613014d1_8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<XBRL>
<?xml version='1.0' encoding='ASCII'?>
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:xs="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:us-roles="http://fasb.org/us-roles/2025" xmlns:country="http://xbrl.sec.gov/country/2025" xmlns:srt="http://fasb.org/srt/2025" xmlns:cbu="http://communitybankna.com/20260429">
<head>
     <title></title>
<meta http-equiv="Content-Type" content="text/html"/>
</head>
<!-- Field: Set; Name: xdx; ID: xdx_02E_US%2DGAAP%2D2025 -->
<!-- Field: Set; Name: xdx; ID: xdx_03B_cbu_communitybankna.com_20260429 -->
<!-- Field: Set; Name: xdx; ID: xdx_04B_20260429_20260429 -->
<!-- Field: Set; Name: xdx; ID: xdx_059_edei%2D%2DAmendmentFlag_false -->
<!-- Field: Set; Name: xdx; ID: xdx_05C_edei%2D%2DEntityRegistrantName_COMMUNITY FINANCIAL SYSTEM, INC. -->
<!-- Field: Set; Name: xdx; ID: xdx_05C_edei%2D%2DEntityCentralIndexKey_0000723188 -->
<!-- Field: Set; Name: xdx; ID: xdx_06B_USD_1_iso4217%2D%2DUSD -->
<!-- Field: Set; Name: xdx; ID: xdx_062_Shares_2_xbrli%2D%2Dshares -->
<!-- Field: Set; Name: xdx; ID: xdx_06D_USDPShares_3_iso4217%2D%2DUSD_xbrli%2D%2Dshares -->
<body style="font: 10pt Arial, Helvetica, Sans-Serif">
<div style="display: none">
<ix:header>
 <ix:hidden>
  <ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000003" name="dei:AmendmentFlag">false</ix:nonNumeric>
  <ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000004" name="dei:EntityRegistrantName">COMMUNITY FINANCIAL SYSTEM, INC.</ix:nonNumeric>
  <ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000005" name="dei:EntityCentralIndexKey">0000723188</ix:nonNumeric>
  </ix:hidden>
 <ix:references>
  <link:schemaRef xlink:href="cbu-20260429.xsd" xlink:type="simple"/>
  </ix:references>
 <ix:resources>
    <xbrli:context id="AsOf2026-04-29">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000723188</xbrli:identifier>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2026-04-29</xbrli:startDate>
        <xbrli:endDate>2026-04-29</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:unit id="USD">
      <xbrli:measure>iso4217:USD</xbrli:measure>
    </xbrli:unit>
    <xbrli:unit id="Shares">
      <xbrli:measure>xbrli:shares</xbrli:measure>
    </xbrli:unit>
    <xbrli:unit id="USDPShares">
      <xbrli:divide>
        <xbrli:unitNumerator>
          <xbrli:measure>iso4217:USD</xbrli:measure>
        </xbrli:unitNumerator>
        <xbrli:unitDenominator>
          <xbrli:measure>xbrli:shares</xbrli:measure>
        </xbrli:unitDenominator>
      </xbrli:divide>
    </xbrli:unit>
  </ix:resources>
 </ix:header>
</div>


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

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

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


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

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

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

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

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&#160;</p>

<!-- Field: Rule-Page --><div style="margin: 0pt auto; width: 25%"><div style="border-top: Black 1pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><b>FORM <span id="xdx_901_edei--DocumentType_c20260429__20260429_zDqzIR5imgf8"><ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000010" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></p>

<p style="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT</b></p>

<p style="font: 12pt Arial, Helvetica, Sans-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 Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported):
<b><span id="xdx_906_edei--DocumentPeriodEndDate_c20260429__20260429_zB1KypN7ffG8"><ix:nonNumeric contextRef="AsOf2026-04-29" format="ixt:datemonthdayyearen" id="Fact000011" name="dei:DocumentPeriodEndDate">April 29, 2026</ix:nonNumeric></span></b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><img src="tm2613014d1_8k-img01.jpg" alt=""/></p>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">(Exact name of registrant as specified in
its charter)</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Arial, Helvetica, Sans-Serif; border-collapse: collapse; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="vertical-align: top">
    <td style="width: 33%; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif"><b><span id="xdx_906_edei--EntityIncorporationStateCountryCode_c20260429__20260429_zAj2n2UguULk" style="font-size: 12pt"><ix:nonNumeric contextRef="AsOf2026-04-29" format="ixt-sec:stateprovnameen" id="Fact000012" name="dei:EntityIncorporationStateCountryCode">Delaware</ix:nonNumeric></span></b></span></td>
    <td style="width: 34%; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif"><b><span id="xdx_900_edei--EntityFileNumber_c20260429__20260429_zfBQuY5h9MFg" style="font-size: 12pt"><ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000013" name="dei:EntityFileNumber">001-13695</ix:nonNumeric></span></b></span></td>
    <td style="width: 33%; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif"><b><span id="xdx_90A_edei--EntityTaxIdentificationNumber_c20260429__20260429_zC1afUiQtOih" style="font-size: 12pt"><ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000014" name="dei:EntityTaxIdentificationNumber">16-1213679</ix:nonNumeric></span></b></span></td></tr>
<tr style="vertical-align: top">
    <td style="text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(State or other jurisdiction
    of</span><span style="font-size: 9pt"><br/>
    incorporation)</span></td>
    <td style="text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(Commission </span><span style="font-size: 9pt">File
    Number)</span></td>
    <td style="text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(IRS Employer Identification
    No.)</span></td></tr>
</table>
<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>&#160;</b></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Arial, Helvetica, Sans-Serif; border-collapse: collapse; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="vertical-align: top">
    <td style="vertical-align: bottom; width: 67%; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif"><b><span id="xdx_901_edei--EntityAddressAddressLine1_c20260429__20260429_znaMrHS28avg" style="font-size: 12pt"><ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000015" name="dei:EntityAddressAddressLine1">333 Butternut Drive</ix:nonNumeric></span>, <span id="xdx_900_edei--EntityAddressCityOrTown_c20260429__20260429_zvM2iyzRx3od" style="font-size: 12pt"><ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000016" name="dei:EntityAddressCityOrTown">Syracuse</ix:nonNumeric></span>, <span id="xdx_901_edei--EntityAddressStateOrProvince_c20260429__20260429_zPpFumXNZZ8" style="font-size: 12pt"><ix:nonNumeric contextRef="AsOf2026-04-29" format="ixt-sec:stateprovnameen" id="Fact000017" name="dei:EntityAddressStateOrProvince">New York</ix:nonNumeric></span></b></span></td>
    <td style="vertical-align: middle; width: 33%; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif"><b><span id="xdx_905_edei--EntityAddressPostalZipCode_c20260429__20260429_zsAMfxcJ6ACe" style="font-size: 12pt"><ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000018" name="dei:EntityAddressPostalZipCode">13214</ix:nonNumeric></span></b></span></td></tr>
<tr style="vertical-align: top">
    <td style="vertical-align: bottom; text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(Address
    of principal executive offices)</span></td>
    <td style="text-align: left"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(Zip Code)</span></td></tr>
</table>
<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Registrant&#8217;s telephone number, including area code: <b>(<span id="xdx_90A_edei--CityAreaCode_c20260429__20260429_zO0hgvDE9Um7"><ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000019" name="dei:CityAreaCode">315</ix:nonNumeric></span></b><b>)
<span id="xdx_90D_edei--LocalPhoneNumber_c20260429__20260429_zRv96o0TaTdh"><ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000020" name="dei:LocalPhoneNumber">445-2282</ix:nonNumeric></span></b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 12pt">Not
applicable.</span></p>

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

<p style="font: 9pt Arial, Helvetica, Sans-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 Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Arial, Helvetica, Sans-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 Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="text-align: justify; vertical-align: top">
    <td style="width: 0.25in; text-align: left"><span style="font-family: Wingdings"><span id="xdx_90D_edei--WrittenCommunications_c20260429__20260429_z3icA32eszJk"><ix:nonNumeric contextRef="AsOf2026-04-29" format="ixt:booleanfalse" id="Fact000021" name="dei:WrittenCommunications">&#168;</ix:nonNumeric></span></span></td>
    <td style="text-align: justify"><span style="font-family: Arial, Helvetica, Sans-Serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td></tr>
</table>
<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="text-align: justify; vertical-align: top">
    <td style="width: 0.25in; text-align: left"><span style="font-family: Wingdings"><span id="xdx_90D_edei--SolicitingMaterial_c20260429__20260429_zaeCEJ2h5VN"><ix:nonNumeric contextRef="AsOf2026-04-29" format="ixt:booleanfalse" id="Fact000022" name="dei:SolicitingMaterial">&#168;</ix:nonNumeric></span></span></td>
    <td style="text-align: justify"><span style="font-family: Arial, Helvetica, Sans-Serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></td></tr>
</table>
<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="text-align: justify; vertical-align: top">
    <td style="width: 0.25in; text-align: left"><span style="font-family: Wingdings"><span id="xdx_900_edei--PreCommencementTenderOffer_c20260429__20260429_zS6gD0ZryXbb"><ix:nonNumeric contextRef="AsOf2026-04-29" format="ixt:booleanfalse" id="Fact000023" name="dei:PreCommencementTenderOffer">&#168;</ix:nonNumeric></span></span></td>
    <td style="text-align: justify"><span style="font-family: Arial, Helvetica, Sans-Serif">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></td></tr>
</table>
<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="text-align: justify; vertical-align: top">
    <td style="width: 0.25in; text-align: left"><span style="font-family: Wingdings"><span id="xdx_90D_edei--PreCommencementIssuerTenderOffer_c20260429__20260429_zOzO1rHzEq3"><ix:nonNumeric contextRef="AsOf2026-04-29" format="ixt:booleanfalse" id="Fact000024" name="dei:PreCommencementIssuerTenderOffer">&#168;</ix:nonNumeric></span></span></td>
    <td style="text-align: justify"><span style="font-family: Arial, Helvetica, Sans-Serif">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></td></tr>
</table>
<p style="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

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

<p style="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Arial, Helvetica, Sans-Serif; border-collapse: collapse; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr>
    <td style="border: black 1pt solid; border-image: none; width: 40%; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Arial, Helvetica, Sans-Serif">Title of each class</span></td>
    <td style="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; width: 20%; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Arial, Helvetica, Sans-Serif">Trading<br/>
 Symbol(s)</span></td>
    <td style="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; width: 40%; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Arial, Helvetica, Sans-Serif">Name
    of each exchange on which registered</span></td></tr>
<tr style="vertical-align: top">
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Arial, Helvetica, Sans-Serif"><span id="xdx_90F_edei--Security12bTitle_c20260429__20260429_zUZ17zxsXT48"><ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000025" name="dei:Security12bTitle">Common Stock, $1.00 par value per share</ix:nonNumeric></span></span></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Arial, Helvetica, Sans-Serif"><span id="xdx_90E_edei--TradingSymbol_c20260429__20260429_zz7JshDwwT74"><ix:nonNumeric contextRef="AsOf2026-04-29" id="Fact000026" name="dei:TradingSymbol">CBU</ix:nonNumeric></span></span></td>
    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Arial, Helvetica, Sans-Serif"><span id="xdx_908_edei--SecurityExchangeName_c20260429__20260429_zas0Zn1tfY5f"><ix:nonNumeric contextRef="AsOf2026-04-29" format="ixt-sec:exchnameen" id="Fact000027" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></span></td></tr>
</table>
<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Arial, Helvetica, Sans-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: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 310.5pt">&#160;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 310.5pt; text-align: right">Emerging growth company &#160;&#160;<span id="xdx_904_edei--EntityEmergingGrowthCompany_c20260429__20260429_zhICKSv6M6Hh" style="font-family: Wingdings"><ix:nonNumeric contextRef="AsOf2026-04-29" format="ixt:booleanfalse" id="Fact000028" name="dei:EntityEmergingGrowthCompany">&#168;</ix:nonNumeric></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 96%; text-align: left">If an emerging growth company, indicate by check mark if the registrant
has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant
to Section 13(a) of the Exchange Act.</td><td style="vertical-align: bottom; text-align: right; width: 4%"><span style="font-family: Wingdings">&#168;</span></td>
</tr></table>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&#160;</p>

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

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

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



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

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

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0in"/><td style="width: 1in"><span style="font-size: 11pt"><b>Item 2.02</b></span></td><td><span style="font-size: 11pt"><b>Results of Operations and Financial Condition.</b></span></td></tr></table>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">On April&#160;29, 2026, Community Financial System,&#160;Inc.
announced its results of operations for the first quarter ended March&#160;31, 2026. The public announcement was made by means of a news
release, the text of which is furnished as Exhibit&#160;99.1.</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">The information in this Form&#160;8-K, including
Exhibit&#160;99.1 attached hereto, is being furnished under Item 2.02 and shall not be deemed to be &#8220;filed&#8221; for purposes of
Section&#160;18 of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), or incorporated by reference in any
filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference
in such filing.</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0in"/><td style="width: 1in"><span style="font-size: 11pt"><b>Item 9.01</b></span></td><td><span style="font-size: 11pt"><b>Financial Statements and Exhibits.</b></span></td></tr></table>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in"><b>(d)&#160; Exhibits</b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 11pt Arial, Helvetica, Sans-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 Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.5in"/><td style="width: 0.5in"><a href="tm2613014d1_ex99-1.htm">99.1</a></td><td><a href="tm2613014d1_ex99-1.htm">Press Release, dated April&#160;29, 2026, issued by Community Financial System,&#160;Inc.</a></td></tr></table>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.5in"/><td style="width: 0.5in">104</td><td>Cover Page&#160;Interactive Data File (embedded in the cover page&#160;formatted in Inline XBRL)</td></tr></table>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><b>SIGNATURES</b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 11pt Arial, Helvetica, Sans-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 Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td colspan="3" style="font: 11pt Arial, Helvetica, Sans-Serif"><b>Community Financial System,&#160;Inc.</b></td></tr>
  <tr style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td colspan="2" style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td></tr>
  <tr style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td colspan="2" style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td></tr>
  <tr style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td colspan="2" style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td></tr>
  <tr style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; width: 50%">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; width: 3%">By:</td>
    <td style="border-bottom: Black 1pt solid; font: 11pt Arial, Helvetica, Sans-Serif; width: 32%">/s/ Marya Burgio Wlos</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; width: 15%">&#160;</td></tr>
  <tr style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td colspan="2" style="font: 11pt Arial, Helvetica, Sans-Serif">Name:&#160;&#160;Marya Burgio Wlos</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td></tr>
  <tr style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif">&#160;</td>
    <td colspan="3" style="font: 11pt Arial, Helvetica, Sans-Serif">Title:&#160;&#160;Executive Vice President and Chief Financial Officer</td></tr>
  </table>
<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Dated: April&#160;29, 2026</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

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

<!-- Field: Page; Sequence: 2 -->
    <div style="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&#160;</p></div>
    <!-- Field: /Page -->

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><b>Exhibit&#160;Index</b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; width: 20%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="text-decoration: underline">Exhibit&#160;Number</span></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; width: 80%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="text-decoration: underline">Description</span></td></tr>
  <tr style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">&#160;</td></tr>
  <tr style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">&#160;</td></tr>
  <tr style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><a href="tm2613014d1_ex99-1.htm">99.1</a></td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt"><a href="tm2613014d1_ex99-1.htm">Press Release, dated April&#160;29, 2026, issued by Community Financial System,&#160;Inc.</a></td></tr>
  <tr style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">&#160;</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">&#160;</td></tr>
  <tr style="font: 11pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">104</td>
    <td style="font: 11pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">Cover Page&#160;Interactive Data File (embedded in the cover page&#160;formatted
    in Inline XBRL)</td></tr>
  </table>
<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>



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

<!-- Field: Page; Sequence: 3; Options: Last -->
    <div style="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div>
    <!-- Field: /Page -->

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

<!-- Field: Set; Name: xdx; ID: xdx_08B_extensions -->
<!-- eJxFjd0KgkAQhZ/Adxj2OkoXDfIyKYksQiK63XKMJd2R2e3vkXrLNiUaBobhnO8cIUYip6VukOE4LwvYY9s1yiGUWCOjOaN3ZKt1Cv6WeNHWsTKuf39gRp5BzyRjKU9e6K13bbFKIUwm0XQiYwjjNJ7BbiOCr56RqXWFxmnVgDIV7Jg61ugUv4aEvXqSofbVVx2QrSaTQjQOB/kNMowkbOmuHsRXC0WRiWDUTyByplvnXYunQ/MlYdFg6+vsQP83+AAMM0qW -->
</body>
</html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>tm2613014d1_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; width: 60%; font-size: 12pt; vertical-align: middle"><IMG SRC="tm2613014d1_ex99-1img01.jpg" ALT=""></TD>
    <TD STYLE="text-align: center; width: 40%">
    <P STYLE="font: 26pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><U>News Release</U></B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">For further information, please contact:</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 11pt">333 Butternut Drive, Syracuse, N.Y. 13214</FONT></TD>
    <TD STYLE="text-align: center">
    <P STYLE="text-align: center; font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">Marya Burgio Wlos, EVP&nbsp;&amp; Chief Financial Officer</P>
    <P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Office: (315) 299-2946</P></TD></TR>
  </TABLE>
<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>Community
Financial System,&nbsp;Inc. Reports First Quarter 2026 Results</B></FONT></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0">SYRACUSE, N.Y. &mdash; April&nbsp;29, 2026 &mdash; Community Financial
System,&nbsp;Inc. (the &ldquo;Company&rdquo;) (NYSE: CBU) reported first quarter 2026 results. The results are available within the &ldquo;News&rdquo;
section of the Company's investor relations website or directly at <FONT STYLE="color: blue"><U>https://communityfinancialsystem.com/Q1-2026-CBU-Earnings-Release</U></FONT>.</P>

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

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0">Company management will host a conference call at 11:00 a.m.&nbsp;(ET)
today, April&nbsp;29, 2026, to discuss the first quarter 2026 results. The conference call can be accessed via webcast at <FONT STYLE="color: blue"><U>https://app.webinar.net/qplYz5Bw2x6</U></FONT>
or via dial-in at 1-833-630-0464 (United States) or 1-412-317-1809 (International).</P>

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

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

<P STYLE="font: 10pt 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,&nbsp;Inc. is a diversified financial
services company that is focused on four main business lines &ndash; banking services, 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 $17 billion in assets and operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania,
Vermont, Western Massachusetts and Southern New Hampshire. The Company&rsquo;s Benefit Plans Administrative Services,&nbsp;Inc. subsidiary
is a leading provider of employee benefits administration, trust services, collective investment fund administration, and actuarial consulting
services to customers on a national scale. The Company&rsquo;s OneGroup NY,&nbsp;Inc. subsidiary is a top 68 U.S. insurance agency. The
Company also offers comprehensive financial planning, trust administration and wealth management services through its Nottingham Financial
Group 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 and each of its four main business lines visit <FONT STYLE="color: blue"><U>https://communityfinancialsystem.com</U></FONT>.</P>

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



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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; width: 52%; font-size: 12pt; vertical-align: middle"><IMG SRC="tm2613014d1_ex99-1img01.jpg" ALT=""><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"></FONT></TD>
    <TD STYLE="width: 48%">
    <P STYLE="font: 26pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B><U>News Release</U></B></P>
    <P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">For further information, please contact:</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">333 Butternut Drive, Syracuse, N.Y. 13214</FONT></TD>
    <TD>
    <P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">Marya Burgio Wlos, EVP&nbsp;&amp; Chief Financial
    Officer</P>
    <P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">Office: (315) 299-2946</P></TD></TR>
  </TABLE>

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

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>Community
Financial System,&nbsp;Inc. Reports First Quarter 2026 Results</B></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SYRACUSE, N.Y. &mdash; April&nbsp;29, 2026</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; background-color: rgb(223,83,44); width: 100%; border: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: white">Community Financial System,&nbsp;Inc. (the &ldquo;Company&rdquo;) (NYSE: CBU) reported first quarter 2026 net income of $57.2 million, or $1.08 per share and operating net income of $61.1 million, or $1.15 per share.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="background-color: rgb(242,242,242); width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt 5.4pt 30pt; width: 100%; border: Black 1pt solid">
    <P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Our Company delivered another quarter of strong core performance
    with operating diluted earnings per share<SUP>1</SUP> of $1.15, up 17.3% year-over-year and representing our fourth consecutive quarter
    of record results,&rdquo; commented Dimitar A. Karaivanov, President and CEO.</P>
    <P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Our organic momentum continues across all businesses and is
    also supported by margin and market value tailwinds. During the quarter we achieved an operating return on assets<SUP>1</SUP> of 1.42%
    while continuing to actively invest in organic and inorganic growth initiatives. At the same time, we remain focused on expanding operating
    leverage and ensuring that recent investments translate fully into bottom-line results. With our diversified financial services businesses,
    high-quality balance sheet and disciplined capital deployment, we are well positioned to continue to scale the Company and continue to
    expect strong earnings growth through the remainder of 2026.&rdquo;</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>First Quarter 2026 Performance</U></B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; 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>Quarter-over-<BR>
Quarter Increase<BR>
(Decrease)</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; 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>Year-over-Year<BR>
Increase (Decrease)</B></FONT></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding: 1.5pt 5.4pt; 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"><B><I>Dollars in thousands, except per share data</I></B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st Qtr<BR>
2026</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th Qtr<BR>
2025</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st Qtr<BR>
2025</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; 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>$</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>%</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; 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>%</B></FONT></TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="padding: 1.5pt 5.4pt; width: 12%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; 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: 1.5pt 5.4pt; width: 26%; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Diluted Earnings Per Share</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.08</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.03</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 10%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.93</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.05</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.9%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.15</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16.1%</FONT></TD></TR>
  <TR STYLE="background-color: #EDEDED">
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating Diluted Earnings Per Share<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.15</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.12</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.98</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.03</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.7%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.17</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><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: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.61</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.58</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.40</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.03</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.9%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.21</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="4" STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; 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: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #EDEDED"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return on Assets</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.33%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.26%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.22%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #EDEDED; 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 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating Return on Assets<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.42%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.38%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.28%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.04%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.14%</FONT></TD></TR>
  <TR STYLE="background-color: #EDEDED">
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return on Equity</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.51%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.04%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.28%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.47%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.23%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating Return on Equity<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.30%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.08%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.84%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.22%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.46%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="5" STYLE="padding: 1.5pt 5.4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>First Quarter 2026 Performance (continued)</U></B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; 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>Quarter-over-<BR>
Quarter Increase<BR>
(Decrease)</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; 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>Year-over-Year<BR>
Increase (Decrease)</B></FONT></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding: 1.5pt 5.4pt; 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"><B><I>Dollars in thousands, except per share data</I></B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st Qtr<BR>
2026</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th Qtr<BR>
2025</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st Qtr<BR>
2025</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; 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>$</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>%</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; 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>%</B></FONT></TD></TR>
  <TR>
    <TD ROWSPAN="6" STYLE="padding: 1.5pt 5.4pt; width: 12%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Revenues</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 26%; border-right: Black 1pt solid; background-color: #EDEDED"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Revenues</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 10%; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$213,286</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 10%; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$215,451</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 10%; border-right: Black 1pt solid; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$196,248</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">($2,165)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.0%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$17,038</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; background-color: #EDEDED; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Operating Revenues (FTE)<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">214,537</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">216,431</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,897</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,894)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.9%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,640</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.0%</FONT></TD></TR>
  <TR STYLE="background-color: #EDEDED">
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest Revenues</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">78,574</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">82,026</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,036</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,452)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(4.2%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,538</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Operating Noninterest Revenues<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">78,975</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">82,131</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">75,791</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,156)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3.8%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,184</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.2%</FONT></TD></TR>
  <TR STYLE="background-color: #EDEDED">
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest Revenues/Total Revenues</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36.8%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.1%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.7%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.3%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.9%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><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: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36.8%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.9%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.5%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.1%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.7%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; text-align: center"><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: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net Interest Income</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$134,712</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$133,425</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #F2F2F2; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$120,212</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #F2F2F2; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,287</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #F2F2F2; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.0%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #F2F2F2; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,500</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; background-color: #F2F2F2; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.1%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net Interest Margin</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.43%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.37%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.21%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.22%</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net Interest Margin (FTE)<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.45%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.39%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.24%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.21%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="4" STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Balance Sheet and Funding</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Ending Loans</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11,131,184</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,949,757</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,421,141</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$181,427</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.7%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$710,043</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.8%</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Ending Deposits</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,870,122</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,387,085</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,892,047</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">483,037</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.4%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">978,075</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: 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 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.10%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.15%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.17%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.05%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.07%)</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cost of Funds</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.20%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.27%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.33%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.07%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.13%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="4" STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #DF532C; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Risk Metrics</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Annualized Loan Net Charge-Offs</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.09%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.13%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02%)</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: 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 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.20%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.21%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.29%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.09%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: 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 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74.9%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76.1%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">75.0%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.2%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.1%)</FONT></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><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: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">194%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">191%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">191%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

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

<!-- Field: Page; Sequence: 3; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>First Quarter 2026 Business Segment Results<SUP>2</SUP></U></B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; 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>Quarter-over-Quarter<BR>
Increase (Decrease)</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; 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>Year-over-Year<BR>
Increase (Decrease)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B><I>Dollars in thousands</I></B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st Qtr<BR>
2026</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; 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<BR>
2025</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st Qtr<BR>
2025</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; 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>$</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>%</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; 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>%</B></FONT></TD></TR>
  <TR>
    <TD ROWSPAN="8" STYLE="padding: 1.5pt 5.4pt; width: 12%; border-left: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DF532C; 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="padding: 1.5pt 5.4pt; vertical-align: top; width: 26%; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest income</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 10%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$133,550</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 10%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$132,412</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 10%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$119,439</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,138</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.9%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,111</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; width: 8%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.8%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Provision for credit losses</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,636</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,979</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,690</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">657</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13.2%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,054)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(15.8%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment noninterest revenues</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21,979</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23,556</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19,033</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,577)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(6.7%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,946</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15.5%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other segment expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">90,282</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">92,522</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">85,509</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2,240)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2.4%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,773</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted income before income taxes</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$59,611</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58,467</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46,273</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,144</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.0%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13,338</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">28.8%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on assets<SUP>3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.41%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.37%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.16%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.04%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.25%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on equity<SUP>3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14.49%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14.35%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.60%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.14%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.89%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on tangible equity<SUP>1, 3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.01%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">25.56%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.70%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.45%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.31%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-top: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="6" STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #438C72; 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="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment revenues</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$36,311</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$38,391</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$34,116</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">($2,080)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(5.4%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$2,195</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21,984</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22,394</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">20,676</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(410)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.8%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,308</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted income before income taxes</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,327</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,997</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13,440</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">($1,670)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(10.4%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$887</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on assets<SUP>3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.25%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.81%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.45%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3.56%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.20%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on equity<SUP>3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.73%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30.17%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.51%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3.44%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.22%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on tangible equity<SUP>1, 3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52.45%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61.16%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">56.04%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(8.71%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3.59%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="6" STYLE="padding: 1.5pt 5.4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #0099A7; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white"><B>Insurance Services</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment revenues</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$12,331</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$12,475</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,270</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">($144)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.2%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">($1,939)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(13.6%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,482</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,546</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,162</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,064)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(9.2%)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">320</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.1%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted income before income taxes</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,849</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$929</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$4,108</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$920</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">99.0%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">($2,259)</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(55.0%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on assets<SUP>3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.88%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.51%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.16%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.37%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(16.28%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on equity<SUP>3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.05%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.01%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30.55%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.04%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(22.50%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on tangible equity<SUP>1, 3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16.92%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.26%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">184.01%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.66%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(167.09%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="6" STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: #E9A713; 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="padding: 1.5pt 5.4pt; vertical-align: top; border-top: Black 1pt solid; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment revenues</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11,063</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,198</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,486</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$865</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.5%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$577</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.5%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment expenses</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,156</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,007</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,851</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">149</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.1%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">305</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.5%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted income before income taxes</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,907</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,191</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,635</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$716</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.4%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$272</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7.5%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on assets<SUP>3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.18%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30.87%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.78%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.31%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.60%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on equity<SUP>3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">42.07%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">34.36%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43.67%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7.71%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.60%)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 5.4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Adjusted return on tangible equity<SUP>1, 3</SUP></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">48.24%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.50%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49.94%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.74%</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1.70%)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><SUP>2</SUP></FONT><FONT STYLE="font-size: 9pt">Refer
to the &ldquo;Summary of Financial Data (unaudited)&rdquo; tables below for reconciliations of the reported measure of segment profit
(adjusted income before income taxes) results to Company results and calculations of the segment adjusted return metrics. The reported
measure of segment profit, the reported segment assets and the reported segment equity that are used in the calculations of the segment
adjusted return metrics are presented in conformity with <I>ASC 280: Segment Reporting</I> and follow the methodology disclosed in the
Company&rsquo;s 2025 Annual Report on Form&nbsp;10-K filed with the Securities and Exchange Commission on February&nbsp;27, 2026.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>3</SUP>The segment adjusted return metrics are reported on a pre-tax
basis.</P>

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

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

<!-- Field: Page; Sequence: 4; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company reported first quarter 2026 net income of $57.2 million,
or $1.08 per share. This compares to net income of $49.6 million, or $0.93 per share, for the first quarter of 2025. The $0.15 increase
in earnings per share was primarily driven by increases in net interest income and noninterest revenues and a decrease in the provision
for credit losses, partially offset by increases in noninterest expenses and income taxes. Comparatively, the Company&rsquo;s earnings
per share increased $0.05 from $1.03 per share for the linked fourth quarter of 2025, primarily due to decreases in noninterest expenses
and income taxes and an increase in net interest income, partially offset by a decrease in noninterest revenues and an increase in the
provision for credit losses.</P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The Company&rsquo;s record quarterly net interest income reflected
diminishing funding cost pressures and organic loan growth, supporting continued margin expansion.</I></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Net interest income in the first quarter of 2026 was $134.7 million, up $14.5
million, or 12.1%, compared to the first quarter of 2025, and up $1.3 million, or 1.0%, from the fourth quarter of 2025.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Net interest margin for the first quarter of 3.43% and fully tax-equivalent
net interest margin, a non-GAAP measure, of 3.45%, increased 22 basis points and 21 basis points, respectively, from the first quarter
of 2025. These increases were primarily the result of a lower cost of interest-bearing liabilities and a higher yield on interest-earning
assets.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The yield on interest-earning assets increased 9 basis points to 4.60% over
the prior year&rsquo;s first quarter primarily driven by higher loan yields.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The cost of interest-bearing liabilities decreased 16 basis points from 1.75%
in the first quarter of 2025 to 1.59% in the first quarter of 2026, driven by a 12 basis point decrease in the average interest-bearing
deposit rate.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&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, both increased by 6 basis points. The yield on interest-earning assets was consistent, while
the cost of funds decreased 7 basis points. This included a 9 basis point decrease in the cost of interest-bearing liabilities driven
by an 8 basis point decrease in the average interest-bearing deposit rate to 1.47%. Excluding the impact of the semiannual Federal Reserve
Bank dividend recorded in the fourth quarter of 2025, the yield on interest-earning assets increased 2 basis points compared to the linked
fourth quarter.</FONT></TD></TR></TABLE>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The Company&rsquo;s noninterest revenue streams generated 37% of total
revenues in the first quarter.</I></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Banking noninterest revenues, comprised of deposit service and other banking
fees and mortgage banking revenues, totaled $21.8 million for the first quarter of 2026, an increase of $2.7 million, or 14.2%, from the
first quarter of 2025 and a decrease of $1.8 million, or 7.6%, from the fourth quarter of 2025. The increase from the first quarter of
2025 was primarily comprised of higher deposit service fees and customer interest rate swap fee revenues. The decrease from the fourth
quarter of 2025 reflected a $1.6 million one-time income distribution received from a limited partnership investment in the prior quarter.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Employee benefit services revenues for the first quarter of 2026 were $34.6
million, an increase of $2.0 million, or 6.0%, in comparison to the first quarter of 2025 and a decrease of $2.0 million, or 5.4%, from
the fourth quarter of 2025. The increase from the prior year&rsquo;s first quarter was largely driven by revenue growth in the recordkeeping
and third-party administration services business line due in part to revenue growth from acquisitions and higher average market values
of assets under administration. The decrease from the linked fourth quarter was reflective of seasonally lower third-party administration
fees.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Insurance services revenues for the first quarter of 2026
were $12.6 million, which represents a $1.6 million, or 11.4%, decrease versus the prior year&rsquo;s first quarter and a $0.1 million,
or 0.8%, decrease from the fourth quarter of 2025. The decrease from the prior year&rsquo;s first quarter was due to changes in the timing
of collections of contingent commission revenues.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Wealth management services revenues for the first quarter of 2026 totaled
$10.3 million, an increase of $0.5 million, or 4.8%, from the first quarter of 2025, reflective of higher average market values of assets
under management and an increase of $0.8 million, or 7.9%, from the fourth quarter of 2025, reflective of certain seasonally higher Trust
fees.</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 5; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Company recorded $133.0 million in total noninterest expenses in the first
quarter of 2026, compared to $125.3 million of total noninterest expenses in the prior year&rsquo;s first quarter. The $7.7 million, or
6.2% increase between the periods was primarily driven by higher salaries and employee benefits expenses, occupancy and equipment expenses
and data processing and communications expenses.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Salaries and employee benefits expenses increased $3.9 million, or 5.1%, from
the first quarter of 2025, primarily due to incremental costs associated with acquisitions and de novo bank branches opened between the
periods, along with the impact of annual merit-based increases.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Occupancy and equipment expenses increased $2.2 million, or 17.2%, from the
prior year&rsquo;s first quarter, driven by incremental costs associated with the opening of de novo bank branches and regional headquarters
and the Santander Bank, N.A. (&ldquo;Santander&rdquo;) branch acquisition.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Data processing and communications expenses increased $1.7 million, or 10.8%,
from the first quarter of 2025 reflective of the Company&rsquo;s continued investment in customer-facing and back-office technologies,
including artificial intelligence applications and other workflow efficiency initiatives.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Acquisition expenses were $0.4 million in the first quarter of 2026 primarily
related to the Company&rsquo;s pending acquisition of Clearpoint Federal Bank&nbsp;&amp; Trust.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The effective tax rate for the first quarter of 2026 was 23.3%, an increase
from 22.8% in the first quarter of 2025 and a decrease from 24.3% in the fourth quarter of 2025. The increase from the first quarter of
2025 was primarily due to an increase in the amortization of certain income tax credit investments while the decrease from the fourth
quarter of 2025 reflected an increase in tax benefits related to stock-based compensation activity.</FONT></TD></TR></TABLE>

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Company&rsquo;s total assets were $17.74 billion at March&nbsp;31, 2026,
representing a $980.6 million, or 5.8%, increase from one year prior and a $441.6 million, or 2.6%, increase from the end of 2025. The
increase in the Company&rsquo;s total assets from one year prior was primarily driven by organic loan growth and the Santander branch
acquisition, while the increase from the end of 2025 was primarily due to higher cash and cash equivalents balances reflective of seasonal
inflows of governmental deposit balances.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">At March&nbsp;31, 2026, the Company&rsquo;s readily available sources of liquidity
totaled $6.83 billion, including unrestricted cash and cash equivalents balances of $557.4 million, unpledged investment securities totaling
$1.76 billion, unused borrowing capacity at the Federal Home Loan Bank of New York of $1.62 billion and $2.89 billion of funding availability
at the Federal Reserve Bank&rsquo;s discount window.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Company&rsquo;s readily available sources of liquidity represent 248%
of the Company&rsquo;s estimated uninsured deposits, net of collateralized and intercompany deposits, at March&nbsp;31, 2026.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&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 81% of total ending deposits at March&nbsp;31, 2026.</FONT></TD></TR></TABLE>

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ending deposits at March&nbsp;31, 2026 of $14.87 billion were $483.0 million,
or 3.4%, higher than the end of 2025 and were $978.1 million, or 7.0%, higher than one year prior. The growth from December&nbsp;31, 2025
was primarily due to seasonal inflows of governmental deposit balances while the increase from one year prior was primarily driven by
growth in consumer and business deposit balances, including the $543.7 million of deposits assumed in the Santander branch acquisition.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ending borrowings of $647.3 million at March&nbsp;31, 2026, which included
$438.1 million of fixed rate Federal Home Loan Bank of New York term borrowings, $201.0 million of customer repurchase agreements and
$8.2 million of finance lease liabilities, decreased $42.6 million, or 6.2%, from the end of 2025 and decreased $214.7 million, or 24.9%,
from one year prior. The decreases between both periods reflected decreases in fixed-rate term borrowings and customer repurchase agreements.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Company&rsquo;s average cost of funds of 1.20% decreased 13 basis points
from the first quarter of 2025 and decreased 7 basis points from the fourth quarter of 2025. The decreases between both periods reflected
lower average deposit and borrowing costs and a lower proportion of funding from higher rate borrowings.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The quarterly average cost of total deposits of 1.10% remains comparatively
low relative to the industry and decreased 7 basis points from the first quarter of 2025 and 5 basis points from the linked fourth quarter.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">63% of the Company&rsquo;s total deposits were in no- and relatively low-rate
checking and savings accounts at the end of the first quarter of 2026. Time deposit accounts represented 14% of the Company&rsquo;s total
deposits at the end of the first quarter of 2026, a decrease of 1 percentage point from both March&nbsp;31, 2025 and the end of 2025.</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 6; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The Company&rsquo;s predominantly footprint-based loan portfolio is
well diversified, with credit performance remaining a central priority. The Company&rsquo;s asset quality metrics, including net charge-offs
and delinquent and nonperforming loan levels, remain strong compared to the banking industry, reflecting the Company&rsquo;s robust risk
management practices and disciplined credit quality standards.</I></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ending loans at March&nbsp;31, 2026 totaled $11.13 billion, an increase of
$181.4 million, or 1.7%, compared to December&nbsp;31, 2025 and an increase of $710.0 million, or 6.8%, compared to one year prior. The
increases between both periods primarily reflected organic growth in the overall business and consumer lending portfolios. The Company&rsquo;s
non-owner occupied and multifamily CRE exposure remains diverse both geographically and by property type, and relatively low at 15% of
total assets, 25% of total loans and 194% of total bank-level regulatory capital.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">At March&nbsp;31, 2026, the Company&rsquo;s allowance for credit losses totaled
$90.2 million, or 0.81% of total loans outstanding, compared to $87.9 million, or 0.80% of total loans outstanding, at December&nbsp;31,
2025, and $82.8 million, or 0.79% of total loans outstanding, at March&nbsp;31, 2025. The increases were driven by a net reserve build
in the business lending portfolio reflective of organic CRE loan growth.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company recorded a $5.6 million provision for credit losses
during the first quarter of 2026 compared to $5.0 million in the linked fourth quarter and $6.7 million in the prior year&rsquo;s first
quarter, reflective of organic loan growth and stable credit quality metrics.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Company recorded net charge-offs of $3.0 million, or an annualized 0.11%
of average loans, in the first quarter of 2026 compared to net charge-offs of $3.2 million, or an annualized 0.13% of average loans, in
the first quarter of 2025 and net charge-offs of $2.3 million, or an annualized 0.09% of average loans, in the fourth quarter of 2025.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total delinquent loans, consisting of loans 30 or more days past due and nonaccrual
loans, as a percentage of total loans outstanding was 1.12% at the end of the first quarter of 2026. This compares to 1.29% at March&nbsp;31,
2025, and 1.10% at December&nbsp;31, 2025.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">At March&nbsp;31, 2026, nonperforming (90 or more days delinquent and non-accruing)
loans were $53.7 million, or 0.48% of total loans outstanding compared to $56.5 million, or 0.52% of total loans outstanding at December&nbsp;31,
2025, and $75.0 million, or 0.72% of total loans outstanding one year earlier. The decrease in nonperforming loans from the end of the
prior year&rsquo;s first quarter was primarily attributable to a decrease in nonaccrual business lending loan balances, driven largely
by the derecognition of two CRE loan relationships in the prior year&rsquo;s second quarter, including one substantially repaid and one
charged off with the collateral transferred to other real estate owned.</FONT></TD></TR></TABLE>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The Company&rsquo;s capital planning and management activities, coupled
with its diversified streams of income and prudent dividend practices, have allowed it to build and maintain a strong capital position.
At March&nbsp;31, 2026, all of the Company&rsquo;s and Community Bank, N.A.&rsquo;s regulatory capital ratios significantly exceeded well-capitalized
standards.</I></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Shareholders&rsquo; equity of $2.02 billion at March&nbsp;31, 2026 was $189.9
million, or 10.4%, higher than one year ago, primarily due to a $119.5 million increase in retained earnings and a $71.0 million decrease
in accumulated other comprehensive loss related to the Company&rsquo;s investment securities portfolio. Shareholders&rsquo; equity increased
$18.0 million, or 0.9%, from December&nbsp;31, 2025, primarily driven by a $32.5 million increase in retained earnings, partially offset
by $14.8 million increase in treasury stock.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Company&rsquo;s shareholders&rsquo; equity to assets ratio was 11.41%
at March&nbsp;31, 2026, an increase from 10.94% at March&nbsp;31, 2025 and a decrease from 11.59% at December&nbsp;31, 2025.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Company&rsquo;s tier 1 leverage ratio of 9.20% at March&nbsp;31, 2026
remained substantially above the regulatory well-capitalized standard of 5.0% and decreased 9 basis points from one year earlier and decreased
1 basis point from December&nbsp;31, 2025. The decrease in the Company&rsquo;s tier 1 leverage ratio from one year prior was primarily
due to the intangible assets added as part of the Santander branch acquisition. The decreases in the Company&rsquo;s tier 1 leverage ratio
between both periods were also impacted by $15.5 million and $26.6 million of common stock repurchases over the past three and twelve
months, respectively.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Company&rsquo;s tangible equity to tangible assets ratio (non-GAAP) was
6.68% at March&nbsp;31, 2026, up from 6.15% a year earlier and down from 6.75% at December&nbsp;31, 2025. Tangible equity (non-GAAP) increased
$146.0 million, or 14.9%, from one year prior due to the aforementioned increase in retained earnings and decrease in accumulated other
comprehensive loss related to the Company&rsquo;s investment securities portfolio. Tangible assets (non-GAAP) increased $936.7 million,
or 5.9%, from the prior year due primarily to organic loan growth and the Santander branch acquisition.</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 7; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The payment of a meaningful and growing dividend is an important component
of the Company&rsquo;s commitment to provide consistent and favorable long-term returns to its shareholders, and it reflects the continued
strength of the Company&rsquo;s long-term operating results and capital position, and management&rsquo;s confidence in the future performance
of the Company. The $0.01 increase in the quarterly dividend declared in the third quarter of 2025 marked the 33<SUP>rd</SUP> consecutive
year of dividend increases for the Company.</I></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">During the first quarter of 2026, the Company declared a quarterly cash dividend
of $0.47 per share on its common stock, up 2.2% from the $0.46 dividend declared in the first quarter of 2025.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">On April&nbsp;22, 2026, the Company announced a quarterly cash dividend of
$0.47 per share on its common stock, payable on July&nbsp;10, 2026 to shareholders of record as of June&nbsp;15, 2026, representing an
annualized yield of 3.0% based upon the $63.17 closing price of the Company&rsquo;s stock on April&nbsp;28, 2026.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">In December&nbsp;2025, 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&nbsp;1, 2026. Such repurchases may be made at
the discretion of the Company&rsquo;s senior management based on market conditions and other relevant factors and will be acquired through
open market or privately negotiated transactions as permitted under Rule&nbsp;10b-18 of the Securities Exchange Act of 1934 and other
applicable regulatory and legal requirements. There were 250,000 shares repurchased pursuant to the 2026 stock repurchase program during
the first quarter of 2026.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Wealth Management Services Expansion with Acquisition of ClearPoint
Federal Bank&nbsp;&amp; Trust</B></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">On January&nbsp;15, 2026, the Company announced that Community Bank,
N.A. has entered into an agreement to acquire ClearPoint Federal Bank&nbsp;&amp; Trust (&ldquo;ClearPoint&rdquo;) in an all-cash transaction
for approximately $40 million, subject to potential purchase price adjustments. The transaction significantly expands the revenue and
offerings of Nottingham Financial Group, the Company&rsquo;s wealth management services business, and contributes to the Company&rsquo;s
strategic capital deployment into durable, recurring and growing income streams. ClearPoint is a national leader in trust administration
for the approximately $20 billion death care industry, with over $1.5 billion of assets under management and a historical 3-year revenue
CAGR of 9.7%. The Company expects the transaction to close in the second quarter of 2026 subject to the receipt of requisite regulatory
approval and other customary closing conditions.</P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company also provides supplemental reporting of its results on an
 &ldquo;operating&rdquo; and &ldquo;tangible&rdquo; basis. Results on an &ldquo;operating&rdquo; basis exclude the after-tax effects of
acquisition expenses, restructuring expenses, litigation accrual, 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. The Company also provides supplemental ratio reporting at the segment level, which includes adjusted
return on tangible equity. Adjusted return on tangible equity represents annualized adjusted income before income taxes applicable to
each segment as a percentage of average tangible equity for each respective segment. 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,
restructuring expenses, litigation accrual, 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.
The Company also provides supplemental reporting of its net interest income and net interest margin on a fully tax-equivalent (&ldquo;FTE&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.</P>

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

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

<!-- Field: Page; Sequence: 8; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Company management will host a conference call at 11:00 a.m.&nbsp;(ET)
today, April&nbsp;29, 2026, to discuss the first quarter 2026 results. The conference call can be accessed via webcast at <FONT STYLE="color: #0070C0"><U>https://app.webinar.net/qplYz5Bw2x6</U></FONT>
or via dial-in at 1-833-630-0464 (United States) or 1-412-317-1809 (International).</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This earnings release is also available within the &rdquo;News&rdquo;
section of the Company's investor relations website at <FONT STYLE="color: #0070C0"><U>https://communityfinancialsystem.com/news/</U></FONT>.
A replay of the earnings call webcast will also be available on this site for at least one year.</P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Community Financial System,&nbsp;Inc. is a diversified financial services
company that is focused on four main business lines &ndash; banking services, 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 $17 billion in assets and operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont,
Western Massachusetts and Southern New Hampshire. The Company&rsquo;s Benefit Plans Administrative Services,&nbsp;Inc. subsidiary is
a leading provider of employee benefits administration, trust services, collective investment fund administration, and actuarial consulting
services to customers on a national scale. The Company&rsquo;s OneGroup NY,&nbsp;Inc. subsidiary is a top 68 U.S. insurance agency. The
Company also offers comprehensive financial planning, trust administration and wealth management services through its Nottingham Financial
Group 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 and each of its four main business lines visit <FONT STYLE="color: #0070C0"><U>https://communityfinancialsystem.com</U></FONT>.</P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This press release contains forward-looking statements within the meaning
of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of CBU&rsquo;s
management and are subject to significant risks and uncertainties. Actual results may differ from those set forth in the forward-looking
statements. The following factors, among others, could cause the actual results of CBU&rsquo;s operations to differ materially from its
expectations: the macroeconomic and other challenges and uncertainties related to or resulting from 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, tariffs 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 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: #0070C0"><U>https://communityfinancialsystem.com</U></FONT>
and on the SEC&rsquo;s website at <FONT STYLE="color: #0070C0"><U>https://sec.gov</U></FONT>. Further, any forward-looking statement
speaks only as of the date on which it is made, and CBU undertakes no obligation to update any forward-looking statement to reflect events
or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events.</P>

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

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

<!-- Field: Page; Sequence: 9; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<!-- Field: Split-Segment; Name: 2 -->
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
of Financial Data (unaudited)</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
in thousands, except per share data)</B></FONT></P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2026</B></FONT></TD>
    <TD COLSPAN="4" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2025</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Earnings</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan
    income</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$154,378</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$154,768</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$152,509</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$146,534</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$142,904</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Investment
    income</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">25,609</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26,699</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24,774</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26,344</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">24,743</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    interest income</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">179,987</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">181,467</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,283</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">172,878</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">167,647</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Interest
    expense</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,275</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">48,042</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,118</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">48,130</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,435</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">134,712</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">133,425</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">128,165</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">124,748</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">120,212</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Provision
    for credit losses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,636</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,979</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,564</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,117</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,690</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; 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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">129,076</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">128,446</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">122,601</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">120,631</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">113,522</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Deposit
    service and other banking fees</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">20,711</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23,209</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19,980</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19,086</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18,108</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Mortgage
    banking</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,100</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">385</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,180</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">972</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">998</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Employee
    benefit services</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">34,572</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36,564</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">34,408</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">32,380</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">32,622</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Insurance
    services</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,586</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,684</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,137</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,388</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,201</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Wealth
    management services</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,332</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,574</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,946</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,683</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,862</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Unrealized
    (loss) gain on equity securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(401)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(105)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">236</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">245</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loss
    from equity method investments</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(326)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(285)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    noninterest revenues</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">78,574</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">82,026</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">78,887</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74,508</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,036</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Salaries
    and employee benefits</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80,322</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">81,920</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,532</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">79,021</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,442</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Data
    processing and communications</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,871</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18,221</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19,119</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,699</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,122</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Occupancy
    and equipment</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,882</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,646</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,419</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,486</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12,698</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Business
    development and marketing</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,535</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,419</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,585</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,001</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,130</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Legal
    and professional fees</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,070</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,212</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,469</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,368</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,849</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,246</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,737</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,258</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,369</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,482</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,110</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,397</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,937</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,158</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,567</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    noninterest expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">133,036</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">138,552</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">128,319</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">129,102</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">125,290</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Income
    before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74,614</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">71,920</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">73,169</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66,037</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64,268</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Income
    taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,396</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,498</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18,081</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,706</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,654</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 21.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    income</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$57,218</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$54,422</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$55,088</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$51,331</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,614</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Basic
    earnings per share</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.08</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.03</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.04</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.97
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.94</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Diluted
    earnings per share</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.08</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.03</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.04</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.97
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.93</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Profitability
    (GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return
    on assets (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.33%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.26%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.30%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.24%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.22%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return
    on equity (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.51%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.04%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.62%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.21%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.28%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest
    revenues/total revenues (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36.8%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.1%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.1%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.4%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.7%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Efficiency
    ratio (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62.4%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.3%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62.0%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.8%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">63.8%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; background-color: #BFBFBF">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Profitability
    (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    return on assets (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.42%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.38%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.38%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.34%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.28%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    return on equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.30%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.08%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.25%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.10%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.84%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return
    on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.96%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">20.88%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.27%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.09%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.86%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    return on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.19%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.70%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.43%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.63%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.76%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    noninterest revenues/operating revenues (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36.8%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.9%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.9%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.2%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.5%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    efficiency ratio (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">59.8%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61.0%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">59.9%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62.0%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61.9%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></P>

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

<!-- Field: Page; Sequence: 1; Options: NewSection; Value: 9 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 9pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
of Financial Data (unaudited)</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
in thousands, except per share data)</B></FONT></P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2026</B></FONT></TD>
    <TD COLSPAN="4" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2025</B></FONT></P>

</TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Components
    of Net Interest Margin (FTE)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan
    yield</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.68%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.68%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.68%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.63%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.58%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cash
    equivalents yield</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.61%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.84%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.92%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.33%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.30%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Investment
    yield</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.10%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.14%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.12%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.17%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.11%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Earning
    asset yield</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.60%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.60%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.59%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.56%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.51%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Interest-bearing
    deposit rate</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.47%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.55%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.59%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.59%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.59%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Borrowing
    rate</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.55%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.57%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.82%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.56%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.63%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cost
    of all interest-bearing funds</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.59%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.68%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.76%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.74%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.75%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cost
    of total deposits</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.10%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.15%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.17%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.19%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.17%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cost
    of funds (includes noninterest-bearing deposits)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.20%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.27%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.33%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.32%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.33%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest margin</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.43%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.37%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.30%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.27%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.21%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest margin (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.45%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.39%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.33%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.30%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.24%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Fully
    tax-equivalent adjustment (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$850</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$875</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$880</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$884</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$894</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Average
    Balances</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; border-left: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loans</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11,029,905</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,819,267</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,664,241</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,455,637</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10,402,985</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cash
    equivalents</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">230,593</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">223,700</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">46,550</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">159,688</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">130,649</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Taxable
    investment securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,272,245</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,266,451</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,268,660</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,256,943</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,211,921</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nontaxable
    investment securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">407,433</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">411,771</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">413,663</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">417,323</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">419,746</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    interest-earning assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,940,176</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,721,189</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,393,114</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,289,591</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,165,301</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,468,804</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,179,984</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,755,095</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,590,741</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,439,357</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Interest
    checking, savings and money market deposits</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,685,727</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,470,840</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,086,979</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,094,208</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,899,568</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Time
    deposits</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,185,114</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,138,368</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,088,861</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,125,683</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,152,113</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer
    repurchase agreements</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">214,361</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">220,670</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">187,845</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">240,817</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">250,142</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Overnight
    borrowings</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,406</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37,554</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">151,495</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,408</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57,192</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">FHLB
    and other borrowings</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">450,643</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">462,991</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">531,979</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">587,523</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">602,838</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    interest-bearing liabilities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,545,251</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,330,423</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,047,159</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,064,639</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,961,853</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest-bearing
    deposits</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,703,510</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,702,200</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,640,964</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,522,734</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,519,962</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shareholders'
    equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,016,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,955,306</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,881,116</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,836,965</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,783,646</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></P>

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

<!-- Field: Page; Sequence: 2; Value: 9 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 9pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
of Financial Data (unaudited)</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
in thousands, except per share data)</B></FONT></P>



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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2026</B></FONT></TD>
    <TD COLSPAN="4" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2025</B></FONT></P>

</TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Balance
    Sheet Data</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cash
    and cash equivalents</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$572,173</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$301,755</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$245,247</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$237,248</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$518,021</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Investment
    securities:</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Available-for-sale</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,848,132</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,875,341</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,859,312</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,832,370</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,826,915</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Held-to-maturity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,460,750</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,454,166</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,442,308</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,430,991</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,393,837</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Equity
    and other</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">81,717</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">77,252</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">78,944</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">86,709</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80,591</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    investment securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,390,599</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,406,759</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,380,564</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,350,070</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,301,343</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loans:</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Business
    lending</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,883,451</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,733,867</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,663,878</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,541,192</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,540,002</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Consumer
    mortgage</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,619,067</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,617,186</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,544,277</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,523,025</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,504,151</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Consumer
    indirect</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,894,011</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,859,354</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,834,766</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,767,213</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,707,938</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Home
    equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">534,439</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">533,755</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">510,933</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">494,183</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">481,248</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Consumer
    direct</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">200,216</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">205,595</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,408</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">193,504</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">187,802</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    loans</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,131,184</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,949,757</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,750,262</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,519,117</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,421,141</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Allowance
    for credit losses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">90,193</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">87,921</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">84,944</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">81,851</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">82,840</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Goodwill
    and intangible assets, net</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">943,314</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">942,716</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">899,967</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">898,381</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">900,332</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other
    assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">797,782</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">790,230</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">766,708</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">742,053</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">706,299</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,744,859</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,303,296</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,957,804</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,665,018</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,764,296</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Deposits:</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;Noninterest-bearing</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,732,720</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,683,442</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,686,772</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,588,602</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,526,485</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;Non-maturity
    interest-bearing</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,997,532</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,497,337</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,337,797</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,010,808</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,215,773</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;Time</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,139,870</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,206,306</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,032,281</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,102,358</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,149,789</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    deposits</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,870,122</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,387,085</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,056,850</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,701,768</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,892,047</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer
    repurchase agreements</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">201,027</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">231,163</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">224,169</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">180,621</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">266,581</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other
    borrowings</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">446,319</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">458,770</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">539,180</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">713,839</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">595,455</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Accrued
    interest and other liabilities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">203,399</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">220,244</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">198,655</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">185,699</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,138</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    liabilities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,720,867</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,297,262</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,018,854</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,781,927</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,930,221</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shareholders'
    equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,023,992</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,006,034</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,938,950</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,883,091</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,834,075</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    liabilities and shareholders' equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,744,859</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,303,296</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,957,804</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,665,018</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,764,296</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Capital
    and Other</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shareholders&rsquo;
    equity/total assets (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.41%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.59%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.43%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.30%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.94%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tangible
    equity/tangible assets (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.68%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.75%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.73%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.51%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.15%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tier
    1 leverage ratio</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.20%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.21%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.46%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.42%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.29%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan-to-deposit
    ratio</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74.9%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76.1%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76.5%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76.8%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">75.0%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Diluted
    weighted average common shares outstanding</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,967</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,959</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,036</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,117</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,130</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Period
    end common shares outstanding</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,537</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,682</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,662</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,869</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,836</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cash
    dividends declared per common share</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.47</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.47
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.47
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.46
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.46
    </FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Book
    value (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$38.53</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$38.08
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$36.82
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$35.62
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$34.71
    </FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tangible
    book value (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$21.40</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$21.02
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$20.57
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$19.46
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$18.52
    </FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Common
    stock price at quarter-end</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58.65</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$57.44
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58.64
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$56.87
    </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$56.86
    </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></P>

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

<!-- Field: Page; Sequence: 3; Value: 9 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 9pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
of Financial Data (unaudited)</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
in thousands, except per share data)</B></FONT></P>



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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2026</B></FONT></TD>
    <TD COLSPAN="4" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2025</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Asset
    Quality</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nonaccrual
    loans</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$47,103</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,509</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,327</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$45,808</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$69,051</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Accruing
    loans 90+ days delinquent</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,595</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,948</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,730</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,519</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,928</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;Total
    nonperforming loans</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,698</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">56,457</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">56,057</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,327</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74,979</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other
    real estate owned</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,134</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8,209</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,851</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7,954</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,746</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61,832</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64,666</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">63,908</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61,281</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">77,725</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    charge-offs</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,972</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,328</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,471</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,114</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,229</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Allowance
    for credit losses/loans outstanding</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.81%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.80%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.79%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.78%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.79%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nonperforming
    loans/loans outstanding</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.48%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.52%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.52%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.51%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.72%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Allowance
    for credit losses/nonperforming loans</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">168%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">156%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">152%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">153%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">110%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    charge-offs/average loans</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.09%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.09%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.20%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.13%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Delinquent
    loans/ending loans</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.12%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.10%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.00%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.01%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.29%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Provision
    for credit losses/net charge-offs</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">190%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">214%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">225%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">207%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nonperforming
    assets/total assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding: 0.75pt 0.75pt 1pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.35%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding: 0.75pt 0.75pt 1pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.37%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.38%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.37%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.46%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Net
    income (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$57,218</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$54,422</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$55,088</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$51,331</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,614</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Income
    taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,396</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,498</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18,081</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,706</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,654</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Income
    before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74,614</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">71,920</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">73,169</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66,037</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64,268</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Provision
    for credit losses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,636</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,979</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,564</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,117</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,690</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80,250</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,899</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">78,733</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">70,154</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">70,958</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">433</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,848</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">747</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(26)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,525</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(50)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Unrealized
    loss (gain) on equity securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">401</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">105</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(236)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(245)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,246</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,737</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,258</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,369</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,482</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1.5pt double; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$85,330</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$83,563</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$82,502</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: Black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$75,116</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$74,146</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    pre-tax, pre-provision net revenue per share (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Diluted
    earnings per share (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.08</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.03</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.04</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.97</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.93</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Income
    taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.33</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.33</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.34</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.27</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.28</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Income
    before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.41</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.36</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.38</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.24</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.21</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Provision
    for credit losses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.10</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.08</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.12</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B>Pre-tax,
    pre-provision net revenue per share (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.52</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.46</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.49</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.32</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.33</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Acquisition
    expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.01</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.05</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.01</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.03</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Unrealized
    loss (gain) on equity securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.08</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.61</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.58</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.56</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: Black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.41</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.40</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-left: Black 1pt solid; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></P>

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

<!-- Field: Page; Sequence: 4; Value: 9 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 9pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
of Financial Data (unaudited)</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
in thousands, except per share data)</B></FONT></P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2026</B></FONT></TD>
    <TD COLSPAN="4" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2025</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    net income (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    income (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$57,218</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$54,422</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$55,088</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$51,331</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,614</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">433</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,848</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">747</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of acquisition expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(99)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(658)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(155)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(12)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;0</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57,552</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">56,612</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">55,680</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">51,386</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,615</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(26)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,525</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of restructuring expenses </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(274)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57,552</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">56,592</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">55,680</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,637</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,615</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(50)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of litigation accrual</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;12</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57,552</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">56,592</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">55,680</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,637</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,577</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Unrealized
    loss (gain) on equity securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">401</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">105</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(236)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;1</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(245)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of unrealized loss (gain) on equity securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(91)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(24)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57,862</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">56,673</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">55,493</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,638</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,389</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,246</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,737</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,258</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,369</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,482</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of amortization of intangible assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(967)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(863)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(677)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(605)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(804)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$61,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$59,547</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58,074</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$55,402</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52,067</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Diluted
    earnings per share (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.08</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.03</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.04</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.97</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.93</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.01</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.05</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.01</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of acquisition expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.09</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.07</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.05</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.97</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.93</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.03</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of restructuring expenses </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.09</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.07</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.05</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.99</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.93</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of litigation accrual</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.09</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.07</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.05</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.99</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.93</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Unrealized
    loss (gain) on equity securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of unrealized loss (gain) on equity securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.09</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.07</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.05</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.99</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.93</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.08</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Tax
    effect of amortization of intangible assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.15</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.12</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.09</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.04</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.98</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></P>

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

<!-- Field: Page; Sequence: 5; Value: 9 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 9pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
of Financial Data (unaudited)</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
in thousands, except per share data)</B></FONT></P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2026</B></FONT></TD>
    <TD COLSPAN="4" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2025</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Return
    on assets</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    income (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$57,218</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$54,422</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$55,088</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$51,331</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,614</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,468,804</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,179,984</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,755,095</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,590,741</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,439,357</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Return
    on assets (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.33%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.26%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.30%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.24%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.22%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    return on assets (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Operating
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$61,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$59,547</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58,074</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$55,402</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52,067</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,468,804</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,179,984</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,755,095</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,590,741</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,439,357</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.42%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.38%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.38%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.34%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.28%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Return
    on equity</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    income (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$57,218</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$54,422</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$55,088</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$51,331</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,614</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,016,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,955,306</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,881,116</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,836,965</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,783,646</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Return
    on equity (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.51%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.04%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.62%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.21%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.28%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    return on equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Operating
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$61,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$59,547</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58,074</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$55,402</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52,067</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,016,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,955,306</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,881,116</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,836,965</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,783,646</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.30%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.08%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.25%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.10%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.84%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Net
    interest margin</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    interest income</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$134,712</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$133,425</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$128,165</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$124,748</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$120,212</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    average interest-earning assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,940,176</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,721,189</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,393,114</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,289,591</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,165,301</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net
    interest margin</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.43%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.37%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.30%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.27%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.21%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Net
    interest margin (FTE) (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    interest income</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$134,712</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$133,425</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$128,165</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$124,748</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$120,212</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Fully
    tax-equivalent adjustment (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">850</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">875</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">880</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">884</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">894</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">135,562</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">134,300</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">129,045</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">125,632</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">121,106</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    average interest-earning assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,940,176</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,721,189</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,393,114</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,289,591</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,165,301</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.45%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.39%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.33%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.30%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.24%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    noninterest revenues (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Noninterest
    revenues (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$78,574</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$82,026</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$78,887</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$74,508</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,036</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Unrealized
    loss (gain) on equity securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">401</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">105</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(236)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(245)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$78,975</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$82,131</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$78,651</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$74,509</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$75,791</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    noninterest expenses (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Noninterest
    expenses (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$133,036</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$138,552</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$128,319</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$129,102</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$125,290</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(433)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2,848)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(747)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(67)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,525)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(4,246)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,737)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,258)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,369)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,482)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$128,357</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$131,993</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$124,314</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$124,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$121,857</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></P>

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

<!-- Field: Page; Sequence: 6; Value: 9 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 9pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
of Financial Data (unaudited)</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
in thousands, except per share data)</B></FONT></P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2026</B></FONT></TD>
    <TD COLSPAN="4" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2025</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    revenues (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Net
    interest income (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$134,712</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$133,425</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$128,165</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$124,748</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$120,212</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Noninterest
    revenues (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">78,574</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">82,026</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">78,887</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">74,508</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">76,036</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">213,286</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">215,451</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">207,052</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">199,256</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,248</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Unrealized
    loss (gain) on equity securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">401</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">105</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(236)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(245)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$213,687</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$215,556</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$206,816</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$199,257</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$196,003</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Noninterest
    revenues/total revenues</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$78,574</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$82,026</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$78,887</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$74,508</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$76,036</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Total
    revenues (GAAP) &ndash; denominator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">213,286</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">215,451</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">207,052</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">199,256</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,248</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36.8%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.1%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.1%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.4%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.7%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$78,975</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$82,131</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$78,651</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$74,509</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$75,791</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    operating revenues (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">213,687</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">215,556</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">206,816</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">199,257</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,003</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Fully
    tax-equivalent adjustment (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">850</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">875</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">880</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">884</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">894</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    operating revenues (FTE) (non-GAAP) &ndash; denominator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">214,537</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">216,431</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">207,696</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">200,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,897</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
noninterest revenues/operating revenues (FTE) (non-</FONT></P>
                                                                                                                                                                                                           <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">GAAP)</FONT></P></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36.8%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.9%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.9%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.2%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.5%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Efficiency
    ratio (GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    noninterest expenses (GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$133,036</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$138,552</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$128,319</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$129,102</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$125,290</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Total
    revenues (GAAP) &ndash; denominator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">213,286</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">215,451</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">207,052</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">199,256</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,248</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62.4%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.3%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62.0%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.8%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">63.8%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    efficiency ratio (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    operating noninterest expenses (non-GAAP) - numerator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$128,357</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$131,993</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$124,314</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$124,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$121,857</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    operating revenues (FTE) (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">214,537</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">216,431</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">207,696</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">200,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">196,897</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">59.8%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61.0%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">59.9%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62.0%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61.9%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Total
    tangible assets (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    assets (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$17,744,859</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$17,303,296</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$16,957,804</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$16,665,018</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$16,764,296</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Goodwill
    and intangible assets, net</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(943,314)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(942,716)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(899,967)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(898,381)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(900,332)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Deferred
    taxes on goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,752</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,905</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,130</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,336</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,644</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$16,845,297</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$16,404,485</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$16,101,967</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,810,973</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,908,608</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Total
    tangible common equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Shareholders'
    equity (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$2,023,992</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$2,006,034</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,938,950</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,883,091</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,834,075</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Goodwill
    and intangible assets, net</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(943,314)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(942,716)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(899,967)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(898,381)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(900,332)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Deferred
    taxes on goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,752</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,905</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,130</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,336</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,644</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,124,430</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,107,223</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,083,113</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,029,046</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$978,387</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></P>

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

<!-- Field: Page; Sequence: 7; Value: 9 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 9pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
of Financial Data (unaudited)</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
in thousands, except per share data)</B></FONT></P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2026</B></FONT></TD>
    <TD COLSPAN="4" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2025</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: silver">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Shareholders&rsquo;
    equity-to-assets ratio at quarter end</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    shareholders&rsquo; equity (GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$2,023,992</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$2,006,034</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,938,950</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,883,091</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,834,075</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    assets (GAAP) &ndash; denominator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,744,859</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,303,296</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,957,804</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,665,018</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,764,296</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.41%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.59%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.43%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.30%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.94%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Tangible
    equity-to-tangible assets ratio at quarter end (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    tangible common equity (non-GAAP) - numerator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,124,430</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,107,223</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,083,113</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,029,046</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$978,387</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    tangible assets (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,845,297</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,404,485</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,101,967</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,810,973</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,908,608</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.68%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.75%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.73%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.51%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.15%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Return
    on tangible equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    income (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$57,218</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$54,422</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$55,088</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$51,331</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$49,614</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Amortization
    of intangible assets, net of tax</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,279</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,874</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,581</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,764</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,678</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Net
    income, excluding amortization of intangible assets (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">60,497</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57,296</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57,669</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">54,095</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,292</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,016,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,955,306</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,881,116</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-top: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,836,965</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,783,646</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(942,701)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(910,627)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(897,943)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(899,416)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(900,530)</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,829</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,018</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,233</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,490</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,631</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,117,269</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,088,697</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,027,406</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">982,039</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">927,747</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.96%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">20.88%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.27%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.09%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.86%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    return on tangible equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;&nbsp;</B>Operating
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$61,141</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$59,547</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58,074</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$55,402</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52,067</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,117,269</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,088,697</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,027,406</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">982,039</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">927,747</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.19%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">21.70%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.43%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.63%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">22.76%</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Book
    value (GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    shareholders&rsquo; equity (GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$2,023,992</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$2,006,034</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,938,950</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,883,091</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,834,075</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Period
    end common shares outstanding &ndash; denominator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,537</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,682</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,662</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,869</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,836</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Book
    value (GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$38.53</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$38.08</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$36.82</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$35.62</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$34.71</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Tangible
    book value (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,124,430</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,107,223</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,083,113</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,029,046</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$978,387</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Period
    end common shares outstanding &ndash; denominator</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,537</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,682</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,662</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,869</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,836</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$21.40</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$21.02</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$20.57</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$19.46</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$18.52</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2026</B></FONT></TD>
    <TD COLSPAN="2" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2025</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: bottom; width: 55%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; width: 9%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; width: 9%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; width: 9%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    Segment Information Reconciliations</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    segment adjusted income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$79,694</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$78,584</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$67,456</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Unrealized
    (loss) gain on equity securities</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(401)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(105)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">245</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(4,246)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,737)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,482)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Restructuring
    expenses </FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Litigation
    accrual</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Acquisition
    expenses</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(433)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2,848)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Total
    consolidated income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$74,614</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$71,920</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$64,268</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    </TR>
  </TABLE>

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

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

<!-- Field: Page; Sequence: 8; Value: 9 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 9pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
of Financial Data (unaudited)</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
in thousands, except per share data)</B></FONT></P>



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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2026</B></FONT></TD>
    <TD COLSPAN="2" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2025</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    Segment Information Reconciliations</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Reconciliation
    of average total segment assets to average total consolidated assets</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total segment assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$17,593,896</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$17,298,866</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$16,555,552</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Elimination
    of intersegment cash and deposits</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(125,092)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(118,882)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(116,195)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    total consolidated assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$17,468,804</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$17,179,984</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$16,439,357</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Banking
    and Corporate</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on assets</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$59,611</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58,467</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46,273</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    segment assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17,192,358</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,916,167</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16,213,158</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.41%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.37%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.16%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on equity</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$59,611</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58,467</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46,273</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,667,914</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,616,116</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,489,739</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14.49%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14.35%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.60%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on tangible equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$59,611</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58,467</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46,273</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,667,914</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,616,116</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,489,739</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(779,128)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(749,254)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(738,052)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,533</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,541</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,222</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">929,319</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">907,403</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">791,909</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.01%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">25.56%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.70%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Employee
    Benefit Services</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on assets</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,327</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,997</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13,440</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    segment assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">249,917</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">236,762</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">232,461</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.25%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.81%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.45%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on equity</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,327</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,997</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13,440</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">217,387</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">210,344</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">205,608</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.73%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30.17%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">26.51%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on tangible equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,327</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,997</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13,440</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">217,387</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">210,344</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">205,608</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(109,742)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(110,144)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(112,746)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,127</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,579</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,405</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">110,772</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">103,779</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">97,267</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-left: black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52.45%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61.16%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">56.04%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></P>

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

<!-- Field: Page; Sequence: 9; Value: 9 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 9pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
of Financial Data (unaudited)</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
in thousands, except per share data)</B></FONT></P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2026</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2025</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    Segment Information Reconciliations</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #BFBFBF; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Insurance
    Services</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on assets</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,849</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$929</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$4,108</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    segment assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">109,005</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">104,924</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">71,923</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.88%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.51%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">23.16%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on equity</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,849</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$929</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$4,108</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">93,172</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">92,004</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">54,538</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.05%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.01%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30.55%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on tangible equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,849</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$929</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$4,108</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">93,172</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">92,004</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">54,538</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(48,682)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(47,044)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(45,205)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(160)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(329)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(279)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,330</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,631</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9,054</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">16.92%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.26%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">184.01%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Wealth
    Management Services</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on assets</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,907</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,191</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,635</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    segment assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">42,616</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">41,013</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38,010</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on assets</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37.18%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30.87%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.78%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on equity</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,907</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,191</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,635</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37,668</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36,842</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,761</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">42.07%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">34.36%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43.67%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Adjusted
    return on tangible equity (non-GAAP)</B></FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Adjusted
    income before income taxes</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,907</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,191</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$3,635</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37,668</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36,842</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,761</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(5,149)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(4,185)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(4,527)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">329</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">227</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">283</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;Average
    tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">32,848</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">32,884</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">29,517</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted
    return on tangible equity (non-GAAP)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: top; border-bottom: black 1.5pt double; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">48.24%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38.50%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1.5pt double; white-space: nowrap; vertical-align: top; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49.94%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-right: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 14pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">#&#8239;#&#8239;#</FONT></P>

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

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

<!-- Field: Page; Sequence: 10; Options: Last -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 9pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></P></DIV>
    <!-- Field: /Page -->

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

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>cbu-20260429.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 6.5a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: +aA5w7xRiXgen8uLa3ZcWaOB6bOdzZR+6YkxtmBybXnaTyon7bzbFiz2nykmAdoB -->
<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/2025" xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:srt="http://fasb.org/srt/2025" xmlns:srt-types="http://fasb.org/srt-types/2025" xmlns:cbu="http://communitybankna.com/20260429" elementFormDefault="qualified" targetNamespace="http://communitybankna.com/20260429">
    <annotation>
      <appinfo>
        <link:roleType roleURI="http://communitybankna.com/role/Cover" id="Cover">
          <link:definition>00000001 - Document - Cover</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:linkbaseRef xlink:type="simple" xlink:href="cbu-20260429_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-20260429_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd" />
    <import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd" />
    <import namespace="http://fasb.org/us-types/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-types-2025.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2025" schemaLocation="https://xbrl.sec.gov/country/2025/country-2025.xsd" />
    <import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd" />
    <import namespace="http://fasb.org/srt-types/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-types-2025.xsd" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>cbu-20260429_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: 6.5a -->
    <!-- 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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.xsd#dei_DocumentShellCompanyEventDate" xlink:label="dei_DocumentShellCompanyEventDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyEventDate" xlink:to="dei_DocumentShellCompanyEventDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyEventDate_lbl" xml:lang="en-US">Document Shell Company Event Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPrimarySicNumber" xlink:to="dei_EntityPrimarySicNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.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/2025/dei-2025.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/2025/dei-2025.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Extension" xlink:label="dei_Extension" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityReportingObligation" xlink:label="dei_SecurityReportingObligation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityReportingObligation" xlink:to="dei_SecurityReportingObligation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="dei_AuditedAnnualFinancialStatements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditedAnnualFinancialStatements_lbl" xml:lang="en-US">Audited Annual Financial Statements</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US">Entity Voluntary Filers</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US">Entity Current Reporting Status</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US">Entity Interactive Data Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US">Entity Filer Category</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl" xml:lang="en-US">Entity Small Business</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityExTransitionPeriod" xlink:label="dei_EntityExTransitionPeriod" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityExTransitionPeriod" xlink:to="dei_EntityExTransitionPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityExTransitionPeriod_lbl" xml:lang="en-US">Elected Not To Use the Extended Transition Period</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentAccountingStandard" xlink:label="dei_DocumentAccountingStandard" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAccountingStandard" xlink:to="dei_DocumentAccountingStandard_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAccountingStandard_lbl" xml:lang="en-US">Document Accounting Standard</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_OtherReportingStandardItemNumber" xlink:label="dei_OtherReportingStandardItemNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_OtherReportingStandardItemNumber" xlink:to="dei_OtherReportingStandardItemNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_OtherReportingStandardItemNumber_lbl" xml:lang="en-US">Other Reporting Standard Item Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityShellCompany_lbl" xml:lang="en-US">Entity Shell Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityPublicFloat" xlink:label="dei_EntityPublicFloat" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPublicFloat" xlink:to="dei_EntityPublicFloat_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPublicFloat_lbl" xml:lang="en-US">Entity Public Float</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityBankruptcyProceedingsReportingCurrent" xlink:label="dei_EntityBankruptcyProceedingsReportingCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityBankruptcyProceedingsReportingCurrent" xlink:to="dei_EntityBankruptcyProceedingsReportingCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityBankruptcyProceedingsReportingCurrent_lbl" xml:lang="en-US">Entity Bankruptcy Proceedings, Reporting Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCommonStockSharesOutstanding_lbl" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentsIncorporatedByReferenceTextBlock" xlink:label="dei_DocumentsIncorporatedByReferenceTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentsIncorporatedByReferenceTextBlock" xlink:to="dei_DocumentsIncorporatedByReferenceTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentsIncorporatedByReferenceTextBlock_lbl" xml:lang="en-US">Documents Incorporated by Reference [Text Block]</link:label>
    </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>cbu-20260429_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 6.5a -->
    <!-- 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="cbu-20260429.xsd#Cover" roleURI="http://communitybankna.com/role/Cover" />
    <link:presentationLink xlink:type="extended" xlink:role="http://communitybankna.com/role/Cover" xlink:title="00000001 - Document - Cover">
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CoverAbstract" xlink:label="loc_deiCoverAbstract" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentType" xlink:label="loc_deiDocumentType" />
      <link:presentationArc order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentType" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AmendmentFlag" xlink:label="loc_deiAmendmentFlag" />
      <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiAmendmentFlag" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AmendmentDescription" xlink:label="loc_deiAmendmentDescription" />
      <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiAmendmentDescription" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentRegistrationStatement" xlink:label="loc_deiDocumentRegistrationStatement" />
      <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentRegistrationStatement" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentAnnualReport" xlink:label="loc_deiDocumentAnnualReport" />
      <link:presentationArc order="40" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentAnnualReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentQuarterlyReport" xlink:label="loc_deiDocumentQuarterlyReport" />
      <link:presentationArc order="50" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentQuarterlyReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentTransitionReport" xlink:label="loc_deiDocumentTransitionReport" />
      <link:presentationArc order="60" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentTransitionReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentShellCompanyReport" xlink:label="loc_deiDocumentShellCompanyReport" />
      <link:presentationArc order="70" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentShellCompanyReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentShellCompanyEventDate" xlink:label="loc_deiDocumentShellCompanyEventDate" />
      <link:presentationArc order="80" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentShellCompanyEventDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentPeriodStartDate" xlink:label="loc_deiDocumentPeriodStartDate" />
      <link:presentationArc order="90" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentPeriodStartDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_deiDocumentPeriodEndDate" />
      <link:presentationArc order="100" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentPeriodEndDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="loc_deiDocumentFiscalPeriodFocus" />
      <link:presentationArc order="110" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentFiscalPeriodFocus" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_deiDocumentFiscalYearFocus" />
      <link:presentationArc order="120" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentFiscalYearFocus" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_deiCurrentFiscalYearEndDate" />
      <link:presentationArc order="130" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiCurrentFiscalYearEndDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFileNumber" xlink:label="loc_deiEntityFileNumber" />
      <link:presentationArc order="140" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityFileNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityRegistrantName" xlink:label="loc_deiEntityRegistrantName" />
      <link:presentationArc order="150" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityRegistrantName" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCentralIndexKey" xlink:label="loc_deiEntityCentralIndexKey" />
      <link:presentationArc order="160" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityCentralIndexKey" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityPrimarySicNumber" xlink:label="loc_deiEntityPrimarySicNumber" />
      <link:presentationArc order="170" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityPrimarySicNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber" xlink:label="loc_deiEntityTaxIdentificationNumber" />
      <link:presentationArc order="180" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityTaxIdentificationNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="loc_deiEntityIncorporationStateCountryCode" />
      <link:presentationArc order="190" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityIncorporationStateCountryCode" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine1" xlink:label="loc_deiEntityAddressAddressLine1" />
      <link:presentationArc order="200" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressAddressLine1" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine2" xlink:label="loc_deiEntityAddressAddressLine2" />
      <link:presentationArc order="210" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressAddressLine2" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine3" xlink:label="loc_deiEntityAddressAddressLine3" />
      <link:presentationArc order="220" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressAddressLine3" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCityOrTown" xlink:label="loc_deiEntityAddressCityOrTown" />
      <link:presentationArc order="230" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressCityOrTown" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressStateOrProvince" xlink:label="loc_deiEntityAddressStateOrProvince" />
      <link:presentationArc order="240" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressStateOrProvince" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCountry" xlink:label="loc_deiEntityAddressCountry" />
      <link:presentationArc order="250" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressCountry" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressPostalZipCode" xlink:label="loc_deiEntityAddressPostalZipCode" />
      <link:presentationArc order="260" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressPostalZipCode" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CountryRegion" xlink:label="loc_deiCountryRegion" />
      <link:presentationArc order="270" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiCountryRegion" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CityAreaCode" xlink:label="loc_deiCityAreaCode" />
      <link:presentationArc order="280" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiCityAreaCode" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LocalPhoneNumber" xlink:label="loc_deiLocalPhoneNumber" />
      <link:presentationArc order="290" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiLocalPhoneNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Extension" xlink:label="loc_deiExtension" />
      <link:presentationArc order="300" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiExtension" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_WrittenCommunications" xlink:label="loc_deiWrittenCommunications" />
      <link:presentationArc order="310" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiWrittenCommunications" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SolicitingMaterial" xlink:label="loc_deiSolicitingMaterial" />
      <link:presentationArc order="320" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSolicitingMaterial" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementTenderOffer" xlink:label="loc_deiPreCommencementTenderOffer" />
      <link:presentationArc order="330" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiPreCommencementTenderOffer" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="loc_deiPreCommencementIssuerTenderOffer" />
      <link:presentationArc order="340" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiPreCommencementIssuerTenderOffer" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle" xlink:label="loc_deiSecurity12bTitle" />
      <link:presentationArc order="350" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSecurity12bTitle" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_NoTradingSymbolFlag" xlink:label="loc_deiNoTradingSymbolFlag" />
      <link:presentationArc order="360" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiNoTradingSymbolFlag" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol" xlink:label="loc_deiTradingSymbol" />
      <link:presentationArc order="370" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiTradingSymbol" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityExchangeName" xlink:label="loc_deiSecurityExchangeName" />
      <link:presentationArc order="380" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSecurityExchangeName" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12gTitle" xlink:label="loc_deiSecurity12gTitle" />
      <link:presentationArc order="390" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSecurity12gTitle" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityReportingObligation" xlink:label="loc_deiSecurityReportingObligation" />
      <link:presentationArc order="400" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSecurityReportingObligation" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AnnualInformationForm" xlink:label="loc_deiAnnualInformationForm" />
      <link:presentationArc order="410" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiAnnualInformationForm" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="loc_deiAuditedAnnualFinancialStatements" />
      <link:presentationArc order="420" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiAuditedAnnualFinancialStatements" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="loc_deiEntityWellKnownSeasonedIssuer" />
      <link:presentationArc order="430" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityWellKnownSeasonedIssuer" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityVoluntaryFilers" xlink:label="loc_deiEntityVoluntaryFilers" />
      <link:presentationArc order="440" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityVoluntaryFilers" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCurrentReportingStatus" xlink:label="loc_deiEntityCurrentReportingStatus" />
      <link:presentationArc order="450" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityCurrentReportingStatus" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityInteractiveDataCurrent" xlink:label="loc_deiEntityInteractiveDataCurrent" />
      <link:presentationArc order="460" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityInteractiveDataCurrent" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFilerCategory" xlink:label="loc_deiEntityFilerCategory" />
      <link:presentationArc order="470" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityFilerCategory" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntitySmallBusiness" xlink:label="loc_deiEntitySmallBusiness" />
      <link:presentationArc order="480" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntitySmallBusiness" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityEmergingGrowthCompany" xlink:label="loc_deiEntityEmergingGrowthCompany" />
      <link:presentationArc order="490" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityEmergingGrowthCompany" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityExTransitionPeriod" xlink:label="loc_deiEntityExTransitionPeriod" />
      <link:presentationArc order="500" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityExTransitionPeriod" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentAccountingStandard" xlink:label="loc_deiDocumentAccountingStandard" />
      <link:presentationArc order="510" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentAccountingStandard" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_OtherReportingStandardItemNumber" xlink:label="loc_deiOtherReportingStandardItemNumber" />
      <link:presentationArc order="520" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiOtherReportingStandardItemNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityShellCompany" xlink:label="loc_deiEntityShellCompany" />
      <link:presentationArc order="530" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityShellCompany" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityPublicFloat" xlink:label="loc_deiEntityPublicFloat" />
      <link:presentationArc order="540" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityPublicFloat" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityBankruptcyProceedingsReportingCurrent" xlink:label="loc_deiEntityBankruptcyProceedingsReportingCurrent" />
      <link:presentationArc order="550" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityBankruptcyProceedingsReportingCurrent" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="loc_deiEntityCommonStockSharesOutstanding" />
      <link:presentationArc order="560" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityCommonStockSharesOutstanding" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentsIncorporatedByReferenceTextBlock" xlink:label="loc_deiDocumentsIncorporatedByReferenceTextBlock" />
      <link:presentationArc order="570" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentsIncorporatedByReferenceTextBlock" xlink:type="arc" />
    </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>tm2613014d1_8k-img01.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2613014d1_8k-img01.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  _ 2P# 2(  A$! Q$!_\0
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M9TN*Z^RR:E9I<9QY33J'S],YJ[0 45PG@+PS=^&;C6;B^\3C5HKB0, 7)%N
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MU@D#R2'TP.@]SQ7G_P 6&N?%WPVT/Q=IUC<Q?8IA=/;S)AU0\$D=P"!SZ'-
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M+.&8?1<TS4?$FG^(_P!I'0GTR9)[>T'V<S(<J[!7)P>X&<9K9\:?\G&>#O\
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M^JX_$&NYM[JWO(S);3Q3(&*EHW##(ZC(KPO5-17X/_%75+PHPT77+5[B-%'
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F,?O&/)S[5U5% $%G]I^PP?;?+^U>6OG>5G9OQSC/;-3T44 ?_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>tm2613014d1_ex99-1img01.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2613014d1_ex99-1img01.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  L ,0# 2(  A$! Q$!_\0
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M9U2]\/1?ZS4TVJN!]YE0_,0#QGVH ](HKC?$?Q%T_0(=#GCL[G4(=8S]G-J
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)BB@ HHHH __9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Apr. 29, 2026</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Apr. 29,  2026<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">333 Butternut Drive<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">Syracuse<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>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14a<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<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>
</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
.report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

.report table.authRefData a {
	display: block;
	font-weight: bold;
}

.report table.authRefData p {
	margin-top: 0px;
}

.report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

.report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

.report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

.report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
.pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
.report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

.report hr {
	border: 1px solid #acf;
}

/* Top labels */
.report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

.report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

.report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

.report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

.report td.pl div.a {
	width: 200px;
}

.report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
.report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
.report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
.report .re, .report .reu {
	background-color: #def;
}

.report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
.report .ro, .report .rou {
	background-color: white;
}

.report .rou td {
	border-bottom: 1px solid black;
}

.report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
.report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
.report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

.report .nump {
	padding-left: 2em;
}

.report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
.report .text {
	text-align: left;
	white-space: normal;
}

.report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

.report .text .more {
	display: none;
}

.report .text .note {
	font-style: italic;
	font-weight: bold;
}

.report .text .small {
	width: 10em;
}

.report sup {
	font-style: italic;
}

.report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.26.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>22</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="tm2613014d1_8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>00000001 - Document - Cover</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://communitybankna.com/role/Cover</Role>
      <ShortName>Cover</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File>cbu-20260429.xsd</File>
    <File>cbu-20260429_lab.xml</File>
    <File>cbu-20260429_pre.xml</File>
    <File doctype="8-K" isOnlyDei="true" isUsgaap="true" original="tm2613014d1_8k.htm">tm2613014d1_8k.htm</File>
  </InputFiles>
  <SupplementalFiles>
    <File>tm2613014d1_8k-img01.jpg</File>
  </SupplementalFiles>
  <BaseTaxonomies>
    <BaseTaxonomy items="22">http://xbrl.sec.gov/dei/2025</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>16
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "version": "2.2",
 "instance": {
  "tm2613014d1_8k.htm": {
   "nsprefix": "cbu",
   "nsuri": "http://communitybankna.com/20260429",
   "dts": {
    "schema": {
     "local": [
      "cbu-20260429.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://www.xbrl.org/dtr/type/2024-01-31/types.xsd",
      "https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd",
      "https://xbrl.fasb.org/srt/2025/elts/srt-roles-2025.xsd",
      "https://xbrl.fasb.org/srt/2025/elts/srt-types-2025.xsd",
      "https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd",
      "https://xbrl.fasb.org/us-gaap/2025/elts/us-roles-2025.xsd",
      "https://xbrl.fasb.org/us-gaap/2025/elts/us-types-2025.xsd",
      "https://xbrl.sec.gov/country/2025/country-2025.xsd",
      "https://xbrl.sec.gov/dei/2025/dei-2025.xsd",
      "https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd"
     ]
    },
    "labelLink": {
     "local": [
      "cbu-20260429_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "cbu-20260429_pre.xml"
     ]
    },
    "inline": {
     "local": [
      "tm2613014d1_8k.htm"
     ]
    }
   },
   "keyStandard": 22,
   "keyCustom": 0,
   "axisStandard": 0,
   "axisCustom": 0,
   "memberStandard": 0,
   "memberCustom": 0,
   "hidden": {
    "total": 3,
    "http://xbrl.sec.gov/dei/2025": 3
   },
   "contextCount": 1,
   "entityCount": 1,
   "segmentCount": 0,
   "elementCount": 59,
   "unitCount": 0,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2025": 22
   },
   "report": {
    "R1": {
     "role": "http://communitybankna.com/role/Cover",
     "longName": "00000001 - Document - Cover",
     "shortName": "Cover",
     "isDefault": "true",
     "groupType": "document",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "1",
     "firstAnchor": {
      "contextRef": "AsOf2026-04-29",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "b",
       "p",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "tm2613014d1_8k.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "AsOf2026-04-29",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "b",
       "p",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "tm2613014d1_8k.htm",
      "first": true,
      "unique": true
     }
    }
   },
   "tag": {
    "dei_AmendmentDescription": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "AmendmentDescription",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amendment Description",
        "documentation": "Description of changes contained within amended document."
       }
      }
     },
     "auth_ref": []
    },
    "dei_AmendmentFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "AmendmentFlag",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amendment Flag",
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission."
       }
      }
     },
     "auth_ref": []
    },
    "dei_AnnualInformationForm": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "AnnualInformationForm",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Annual Information Form",
        "documentation": "Boolean flag with value true on a form if it is an annual report containing an annual information form."
       }
      }
     },
     "auth_ref": [
      "r14"
     ]
    },
    "dei_AuditedAnnualFinancialStatements": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "AuditedAnnualFinancialStatements",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Audited Annual Financial Statements",
        "documentation": "Boolean flag with value true on a form if it is an annual report containing audited financial statements."
       }
      }
     },
     "auth_ref": [
      "r14"
     ]
    },
    "dei_CityAreaCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "CityAreaCode",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "City Area Code",
        "documentation": "Area code of city"
       }
      }
     },
     "auth_ref": []
    },
    "dei_CountryRegion": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "CountryRegion",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Country Region",
        "documentation": "Region code of country"
       }
      }
     },
     "auth_ref": []
    },
    "dei_CoverAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "CoverAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Cover [Abstract]",
        "documentation": "Cover page."
       }
      }
     },
     "auth_ref": []
    },
    "dei_CurrentFiscalYearEndDate": {
     "xbrltype": "gMonthDayItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "CurrentFiscalYearEndDate",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Current Fiscal Year End Date",
        "documentation": "End date of current fiscal year in the format --MM-DD."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentAccountingStandard": {
     "xbrltype": "accountingStandardItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentAccountingStandard",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Accounting Standard",
        "documentation": "The basis of accounting the registrant has used to prepare the financial statements included in this filing This can either be 'U.S. GAAP', 'International Financial Reporting Standards', or 'Other'."
       }
      }
     },
     "auth_ref": [
      "r13"
     ]
    },
    "dei_DocumentAnnualReport": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentAnnualReport",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Annual Report",
        "documentation": "Boolean flag that is true only for a form used as an annual report."
       }
      }
     },
     "auth_ref": [
      "r11",
      "r13",
      "r14"
     ]
    },
    "dei_DocumentFiscalPeriodFocus": {
     "xbrltype": "fiscalPeriodItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentFiscalPeriodFocus",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Fiscal Period Focus",
        "documentation": "Fiscal period values are FY, Q1, Q2, and Q3. 1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentFiscalYearFocus": {
     "xbrltype": "gYearItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentFiscalYearFocus",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Fiscal Year Focus",
        "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentPeriodEndDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentPeriodEndDate",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Period End Date",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentPeriodStartDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentPeriodStartDate",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Period Start Date",
        "documentation": "The start date of the period covered in the document, in YYYY-MM-DD format."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentQuarterlyReport": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentQuarterlyReport",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Quarterly Report",
        "documentation": "Boolean flag that is true only for a form used as an quarterly report."
       }
      }
     },
     "auth_ref": [
      "r12"
     ]
    },
    "dei_DocumentRegistrationStatement": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentRegistrationStatement",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Registration Statement",
        "documentation": "Boolean flag that is true only for a form used as a registration statement."
       }
      }
     },
     "auth_ref": [
      "r0"
     ]
    },
    "dei_DocumentShellCompanyEventDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentShellCompanyEventDate",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Shell Company Event Date",
        "documentation": "Date of event requiring a shell company report."
       }
      }
     },
     "auth_ref": [
      "r13"
     ]
    },
    "dei_DocumentShellCompanyReport": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentShellCompanyReport",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Shell Company Report",
        "documentation": "Boolean flag that is true for a Shell Company Report pursuant to section 13 or 15(d) of the Exchange Act."
       }
      }
     },
     "auth_ref": [
      "r13"
     ]
    },
    "dei_DocumentTransitionReport": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentTransitionReport",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Transition Report",
        "documentation": "Boolean flag that is true only for a form used as a transition report."
       }
      }
     },
     "auth_ref": [
      "r15"
     ]
    },
    "dei_DocumentType": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentType",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Type",
        "documentation": "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'."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentsIncorporatedByReferenceTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "DocumentsIncorporatedByReferenceTextBlock",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Documents Incorporated by Reference [Text Block]",
        "documentation": "Documents incorporated by reference."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "dei_EntityAddressAddressLine1": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityAddressAddressLine1",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Address Line One",
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine2": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityAddressAddressLine2",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Address Line Two",
        "documentation": "Address Line 2 such as Street or Suite number"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine3": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityAddressAddressLine3",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Address Line Three",
        "documentation": "Address Line 3 such as an Office Park"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressCityOrTown": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityAddressCityOrTown",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, City or Town",
        "documentation": "Name of the City or Town"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressCountry": {
     "xbrltype": "countryCodeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityAddressCountry",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Country",
        "documentation": "ISO 3166-1 alpha-2 country code."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressPostalZipCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityAddressPostalZipCode",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Postal Zip Code",
        "documentation": "Code for the postal or zip code"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressStateOrProvince": {
     "xbrltype": "stateOrProvinceItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityAddressStateOrProvince",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, State or Province",
        "documentation": "Name of the state or province."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityBankruptcyProceedingsReportingCurrent": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityBankruptcyProceedingsReportingCurrent",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Bankruptcy Proceedings, Reporting Current",
        "documentation": "For registrants involved in bankruptcy proceedings during the preceding five years, the value Yes indicates that the registrant has filed all documents and reports required to be filed by Section 12, 13 or 15(d) of the Securities Exchange Act of 1934 subsequent to the distribution of securities under a plan confirmed by a court; the value No indicates the registrant has not. Registrants not involved in bankruptcy proceedings during the preceding five years should not report this element."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "dei_EntityCentralIndexKey": {
     "xbrltype": "centralIndexKeyItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Central Index Key",
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_EntityCommonStockSharesOutstanding": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityCommonStockSharesOutstanding",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Common Stock, Shares Outstanding",
        "documentation": "Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityCurrentReportingStatus": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityCurrentReportingStatus",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Current Reporting Status",
        "documentation": "Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityEmergingGrowthCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityEmergingGrowthCompany",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Emerging Growth Company",
        "documentation": "Indicate if registrant meets the emerging growth company criteria."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_EntityExTransitionPeriod": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityExTransitionPeriod",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Elected Not To Use the Extended Transition Period",
        "documentation": "Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards."
       }
      }
     },
     "auth_ref": [
      "r19"
     ]
    },
    "dei_EntityFileNumber": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityFileNumber",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity File Number",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityFilerCategory": {
     "xbrltype": "filerCategoryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityFilerCategory",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Filer Category",
        "documentation": "Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_EntityIncorporationStateCountryCode": {
     "xbrltype": "edgarStateCountryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityIncorporationStateCountryCode",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Incorporation, State or Country Code",
        "documentation": "Two-character EDGAR code representing the state or country of incorporation."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityInteractiveDataCurrent": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityInteractiveDataCurrent",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Interactive Data Current",
        "documentation": "Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files)."
       }
      }
     },
     "auth_ref": [
      "r16"
     ]
    },
    "dei_EntityPrimarySicNumber": {
     "xbrltype": "sicNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityPrimarySicNumber",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Primary SIC Number",
        "documentation": "Primary Standard Industrial Classification (SIC) Number for the Entity."
       }
      }
     },
     "auth_ref": [
      "r14"
     ]
    },
    "dei_EntityPublicFloat": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityPublicFloat",
     "crdr": "credit",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Public Float",
        "documentation": "The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityRegistrantName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Registrant Name",
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_EntityShellCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityShellCompany",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Shell Company",
        "documentation": "Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_EntitySmallBusiness": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntitySmallBusiness",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Small Business",
        "documentation": "Indicates that the company is a Smaller Reporting Company (SRC)."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_EntityTaxIdentificationNumber": {
     "xbrltype": "employerIdItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityTaxIdentificationNumber",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Tax Identification Number",
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_EntityVoluntaryFilers": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityVoluntaryFilers",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Voluntary Filers",
        "documentation": "Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityWellKnownSeasonedIssuer": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityWellKnownSeasonedIssuer",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Well-known Seasoned Issuer",
        "documentation": "Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A."
       }
      }
     },
     "auth_ref": [
      "r17"
     ]
    },
    "dei_Extension": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "Extension",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Extension",
        "documentation": "Extension number for local phone number."
       }
      }
     },
     "auth_ref": []
    },
    "dei_LocalPhoneNumber": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "LocalPhoneNumber",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Local Phone Number",
        "documentation": "Local phone number for entity."
       }
      }
     },
     "auth_ref": []
    },
    "dei_NoTradingSymbolFlag": {
     "xbrltype": "trueItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "NoTradingSymbolFlag",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "No Trading Symbol Flag",
        "documentation": "Boolean flag that is true only for a security having no trading symbol."
       }
      }
     },
     "auth_ref": []
    },
    "dei_OtherReportingStandardItemNumber": {
     "xbrltype": "otherReportingStandardItemNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "OtherReportingStandardItemNumber",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Other Reporting Standard Item Number",
        "documentation": "\"Item 17\" or \"Item 18\" specified when the basis of accounting is neither US GAAP nor IFRS."
       }
      }
     },
     "auth_ref": [
      "r13"
     ]
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "PreCommencementIssuerTenderOffer",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre-commencement Issuer Tender Offer",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r7"
     ]
    },
    "dei_PreCommencementTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "PreCommencementTenderOffer",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre-commencement Tender Offer",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r9"
     ]
    },
    "dei_Security12bTitle": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "Security12bTitle",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Title of 12(b) Security",
        "documentation": "Title of a 12(b) registered security."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_Security12gTitle": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "Security12gTitle",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Title of 12(g) Security",
        "documentation": "Title of a 12(g) registered security."
       }
      }
     },
     "auth_ref": [
      "r5"
     ]
    },
    "dei_SecurityExchangeName": {
     "xbrltype": "edgarExchangeCodeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "SecurityExchangeName",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Security Exchange Name",
        "documentation": "Name of the Exchange on which a security is registered."
       }
      }
     },
     "auth_ref": [
      "r4"
     ]
    },
    "dei_SecurityReportingObligation": {
     "xbrltype": "securityReportingObligationItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "SecurityReportingObligation",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Security Reporting Obligation",
        "documentation": "15(d), indicating whether the security has a reporting obligation under that section of the Exchange Act."
       }
      }
     },
     "auth_ref": [
      "r10"
     ]
    },
    "dei_SolicitingMaterial": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "SolicitingMaterial",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Soliciting Material",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r8"
     ]
    },
    "dei_TradingSymbol": {
     "xbrltype": "tradingSymbolItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "TradingSymbol",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Trading Symbol",
        "documentation": "Trading symbol of an instrument as listed on an exchange."
       }
      }
     },
     "auth_ref": []
    },
    "dei_WrittenCommunications": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "WrittenCommunications",
     "presentation": [
      "http://communitybankna.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Written Communications",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r18"
     ]
    }
   }
  }
 },
 "std_ref": {
  "r0": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12"
  },
  "r1": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b"
  },
  "r2": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r3": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-23"
  },
  "r4": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r5": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "g"
  },
  "r6": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12, 13, 15d"
  },
  "r7": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r8": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "14a",
   "Subsection": "12"
  },
  "r9": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r10": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "15",
   "Subsection": "d"
  },
  "r11": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 10-K",
   "Number": "249",
   "Section": "310"
  },
  "r12": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 10-Q",
   "Number": "240",
   "Section": "308",
   "Subsection": "a"
  },
  "r13": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Number": "249",
   "Section": "220",
   "Subsection": "f"
  },
  "r14": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Number": "249",
   "Section": "240",
   "Subsection": "f"
  },
  "r15": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Forms 10-K, 10-Q, 20-F",
   "Number": "240",
   "Section": "13",
   "Subsection": "a-1"
  },
  "r16": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-T",
   "Number": "232",
   "Section": "405"
  },
  "r17": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "405"
  },
  "r18": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "425"
  },
  "r19": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "7A",
   "Section": "B",
   "Subsection": "2"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>17
<FILENAME>0001104659-26-050927-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001104659-26-050927-xbrl.zip
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MF1)7;$#F%!-Z>1 L *9T!DH9DCI4"KWTO+I+0'/Y$"/8'%WFE@"[R38%;4U
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M48C$^U$1H9GC P%^; TD_A;UQL.C$0GY:$8Y=^D<$:!>7F8/Q/X')G:_SE<
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MT=;/J[Z]\$QE>,[\P!!*&W$I;*DT%,BCE'!^G6DFJ Z.+0>&4,B(:UY+I:%
MODFIFMI![:.2"S-;[^T,P?84@$)'7-D:E(H#?_ES'WFQ_RU(OL0:_'8"1.Q>
MD5BOW8ACMY"BN)*+A"@/]9 ]E#OJQDJ_T)K)WYD95;OW3[DS0YNWA18]5)>"
M1@$E786*QKFV[NSD#UY:]^R@O!$3TS)A.'NFLC%G\8!+$KPOWS.#\D7,0DMD
MH>"])N))97,3K^Z5C"EUTR=Z>[8!$B)@!="0(.:G+T*!\[A IJG;3"3CI]',
MBM9WF<G?9&K]"SXT"):#A@9S$R= .-)=D/ZYT8LFUZL'.J'*+5-XI$MS;1MZ
M"M\4 8I#XX/Z1B$PAI(P7;2/=-W: ^YEM<4W[I=[(:L]\C]02P,$%     @
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M,6#]YN#THVST5&^A::[&>P;X. -C*XE$XMCT[?486T.JEU$V"?&/68EM @\
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MC^,!%>4)*"OO1%UWFI2%16\:(WK3K:5GP:7E8.A@=H0V*<]FTW*!ZIN%(=?
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M6S%Z>;6LBE:,'4MF*\HJ!7):,7Q%>:(B2AWW=IKF@>LH?/!B#,W?A9$ 3OK
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M8']O"D+VJ@&")AO"712.Z*H5,,\A][W@.PI".(F ["O0BT4P)P37-D-BX3S
M\JE,A&$8Y.-:L ;S<2MCOWB)RH^GED^^2,+,&K69H\\^7,'4/V73_#05T-+O
M?Z=?:[7* 4OVVQR912\C&F2R!JL];T."&^J#@XDF_< ;>8$7@X=X+]Q- @PG
M@+J)$VI&4Y>4HA-&]V[@]6&%01CNH_!',A2%>#).+6>TL^%_)^C&T&&BQ,+8
M03XDM*H;0_%EALZ_/UU\^^>O;ZAYLAKLC(WE.6S,W,LG39XW&-28,2%D236\
MX,TB"R/_\\+8R\WCZ#;T2U$6YNS^,O(&@S Y*<59\#\KA7'>T"U3%:%45\\C
M%9,RQ8&BZ9(UI:;)&'ZE2P9XD06V4C!;6<P(;B"D#O=<KA*I)-+G2%J)\T#]
MPD.H*J;?GJMOI9FPTS3DQ"5I Y*4:HJ%]HDFZ=HA\\<GR%O =SV,&#RX/@T"
M!+,/ Q%!&BO%W<3T60:(R)2]556@#J4P#N$93,FI2NEW(H9/QAB(8R;"5+Z*
M(Z51M-R4BDG!&/E!:#@B(WD6 D'3%D?D@BZ%#S!E"__.9@+. 'P<5*KO@:_B
M3P,#KC $'P.^\8AV/#K'^5=20P6L QIPX9*^>4E';EZX4%E@;"J.3ED:00WJ
M>.0KA \T#$FM8@\VRB,\(>?Z\HZ99YJG$D-9FXZ&RT9+9.-%VSZSS@>"8I8%
MA.HB1;*,0^JM+>1,E"0%>ZX]2=AB061<X.3BNV;<,Q=6!",(U9&#+0F>;PQN
M 'A5I&$Y>_'YP X+VNSYVQ<,J*9.:28"=*E%80Z9UD&] /:PH.9 OLJ"S.(/
MSRI*-"C!Q8#O)?!^$2M2^(3IQ6PCH?-2W#'6S'N\PJ&86]:X,T+^LNU)-\W^
M'NZ:0+!7VC5"<=.PW:I;AQ(> \!(\0/X;0_,XWXR/089>2X[9/A(!O!</&R(
M2?0 D)RYP7=AX#UX Q(,4F]P>JBR*!*1+,=6%=NI:KTS"</H3?%MSVB$5L8*
M"A&1KWDAD.X%!>9$=H0X@<4<Q<(]"3#$"JNG68=4PL+$]?&H.HT S2,.[M1W
MG!O>?$!%@9M[7M2/.>21AWL=)")343&K]<,"0LF0D@=]"&QUDGHIHS!*[E'1
MI7\J/),*%@9.546R,__]R?"T*99BCQCO5HLQ!73]=4DM^/XPDKEF4"72C$\J
M#((^R9+,%P01*%_E(YKO$L*']_?H:\LA\Q*HJ6E>Q38'LC^)013A$]/508:(
M?[AC_%".*QM1/K/*^/?WJDCDL3_  S#(#P] \Y->XHWRK((!D&WDW4YH'@H0
M"0&R&[#GHQ$QPFP'&E4&_1$/O3%\[P&&28]W\T@^^BPOT_]\TZ]ATU^.QG[X
M2#"!)"!W4[&+IP'_)_<C"VD<:."<%N)XLWM4+NTLDX;G:#8&&@I>C,F]3P3Z
MYNW6ZC,-24]W*S,#E]NNSSK3N'%]$ ]2<J<S[F0!\$S*F9'UG9 QB\'0;!<O
M&O1P<X!I.* 1]H2=8TX1OYW$7D#B&,TE0D^ X'GX%<2F\B:VZ_I@@8.NH!DQ
M^)94A62F)8CS=[#+'S#!(*9AJ=1P \L8/U8:QR*U,?_("N%(%0=@P?)_7%A&
M>I[$XEB+I\S8@3N$&]__LP[AM-?QDHI@?X]I D4M'C^#6]8?X@$X2\&**Q3#
M"%NA.S>7/$ YGL0OVY5,+^!I=?G47);LXB-?Q.&SGWZ14DA/:EF.5FX<)WB*
M=D_W'";%L.1-FL# #L;ND13[TX2NG+PY)VZ<$].:EJ-I3<ME23$U;/?W#A2Y
M>#)5Y459,DI;0:=BN]"&3'WSLMY]2N<+N<K?WV,ZOS"IZD$^&U#5!':>-X&K
M(^J#2+A>4&2$=)#?(K!A7Z3]V^?\OR"9S^#)?*U,YM-Y,E]KME$YAG993,=*
M<V^^L7I0G0FJY:DN])3N+@0_'8.F5--BO"-/.9O&JVFN]_Z>ARF-:1Y-:M=3
M$YG<9T>\,>PNT*FW_V':-4X#W0)!_>[21!MR=^?U/1#H1R&DV3>38'I$C$J;
M!$,TZ*C.!^T<L@1*C%P3QAGTP C4-/4[*&=DGLC34;VE;V3PJ-YFCA:GB:AI
M\/] T;2I^TQM5K18YF=*%L.]U>B16<[4 >O?F-H[>>SXR><^9V2G":E6.<RW
MOV=*ZN'4>+DER0]"TB?"S,-!O# ]-35&8A?\^6RCD$H<),['"6_K]R> 7_^1
M?1)\[G&IY"KS\ =X[6<<A6 FQO2,!$-V8.##=NRGEU:R+W C?_/[XN9EJU],
M[]4DIQ)Q4LH1I_GF^DQ2+WTD2A#L##Q6C-%&#_L>/7.AMX!F CL# GOH(:0Q
M=.$6'?0A:FH8(YZA3F6?)B:C\(O5BX+3 \/TH' $'TQZMRZ[O91F*'')W+QD
M?GE&W11%4BU<%Z"Q%*MR^/&<=A6K:?M/RB4*$@H=ZC=Z##1/*EUZS'SOH>LG
M#(D[2%\59Y%0@M--7.J/XJ&3*%Q)IY)PE%VJS/Z87IQ\FSZZN"NXG&Y>3B]>
M3GA%D56JYW4T5K>_]W34HQ)BF'<Y8YIQ7CYWRL[-8%K];)S8/J47HN4,&IGT
MAP'>Y_3HC6R6$4(_"$N&MC6(,5HO,.1[ZC>ZX[&?3W%Z]/DCC+[?X2W1@D7N
MH2U.KY1PU=H"D3V=:I"I;+*XM2SI)7MX86POIW/,B/"I;DR/KJH""<]G<E1X
M*SSEW =MS'*"LF0=U(+,.?K%'8U/6)R,"\SF!09=#]C.J>))W)_LS/V9(U'P
M.U1-T@Y+ =]4PZDJJ+NG)&SFL)-]38?G/9VT]:I,A-0TG;W8);B8P.']U\W$
M-XON3N^<99>]IFHW3L,4R:J)")5AP#MRR[RPZ4"O@QIG)BRZH;"?V3!=7"\O
M>>Q<D/GLP[2.Q'68Z@R4A\\>Z) !%KWJ3F"L8'%F<QH7Y^1G<V(U(WP\.!^!
M:.WOQ4D$S@L>X(V 8Y,T7I44-R,]*,=\S 3%.'39#J6''>G#65KF8_7(8QQ-
M!OAS85 ^N$3P I[#MA7ZNBI]+ 25Y0VS0VI+LG3A-J5[EU[O[ _9@FD*JZ1!
MB_.DY]:4Q84#QY8K9]<&/; KZ]PP(-3A2B-;Z1&UKE?/O56:7C:KKS%-MZC2
MJ4E:4LE/SG#>&!9%PN9<XA1F?33F?H'W-K5CQ(*"?W(&\VDFC<#UW7B85J*!
M'Z;IY#'8YS[&K!?EF" D:&I3#7"/5V*"U&_-LN>R!W C:O.;\G3^_IHKRB!)
M Q04]\'U?"R8),1@+?39L41.&%B'*4T=-25;RW:R*$R=MTF T>;(H_;$"P2-
M5E\PK*D7(,(CQO"*^[)#&4^+\] QT"P/=&K-Z2@F :U;=!M&L*7H96AW#+XG
MYD$E=-:9W?]/M* ^X^:C6?HPABOR0_@+',DT(=54IUHJH/$>V\E_D]YQH,J)
MP44)#S9J^2WI50#F961 8^FB<$*/HH(!K>/%]TD+R>ME^V&:806.@GU(TX[F
MUJ^($]#$N",F8/#@A9Q!IC'3&S]IOA)\!B0'YCI("V7 O_OI*=+T"_.)D^?U
M;5R69O/Z+O.57W7=\]M\]!IT)FZV,KTB(J3QCNQSJ\E'&YVRBWQ& ,I'IG,[
MY(B5,Q2R8W_J.C%/"SX0D8+M%!,1$QHC\*K@\?_%3+9;FM9;J@A";W!D-3_H
MTZ8^59B7:>)>5<>5"2B/%^UK9K+HDFWE%@KSMG2[D&S \G,UFO*;N@')T UF
M_ ;<:>SKCF47TGM95J)<^7;9WV&1L&*F_ 7ID]$MB4HC-O;WYGHGF9<AO-3)
M6.@,O<P-V]^;7A_ '*')*,ULSB\$5%]8-'3QK0>&KDV/50HWM.@1'CPOO^]9
M]>KXH5HKMUKN.C#'Q-2M0EK-@GA%FFR?W6@&KT37"CN'N@O>3ZRPB2'L%[@@
MH/M'A9&(X'[(2B%M"&V&[$X:6 1@E@Y1\MW[B! 6!09)@V'8TT-J-HB 7C#P
MZ3XI7)\6"Y>U#W2U$BXQ2R?;,[JB\%55T2MGC*J.><QI!'Z>KIC66<N2*>@]
M]2R3:!J9+A5DHW#VV#WM,E;E"WMSP>&[;?.[;9['E272E\L(P ^*I,J'Q0H<
M6NG2^[,GV&4IM>:4[WCI#97GI'1_C]W RJ:2T0?EE&E0@J5XT/ D^_PX"FGY
MMG)L@0XM)5LJZU,QYS+<#AF>%O>K2B]SS')K@(JQ F+,3EJR2@UIT4LJ-^R
MC1YWAJE),P!%%CV^5( 7"K^QX!MS;QART=J\:)G:X:)DFXI<44N=5@SMI?E?
M?BI3J%HH1>[O]8>D_SW+P(G=!T:4?1J&C+/0:,KK"T_701/BE?1<I65?ST,2
MJ)GUI\<]#66\]*UBY?:Q@DH7KZ3@7F.Y'%2<J3Z>-<Z,0C+^]'"G:W&0%]R
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MJIY><@8%Y?N$DGY#54%!-[_L\6\R#3)5@2\>UQ!$L1>/762^(/P1N:#\JXS
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MB_[>^MSE"MV2_))1=K]HPXSZ',"=W Z&4Q?C/H?2ENA;4ZGKTLV.  82MJF
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M*$5?EFS> W<6$YEC4L7$6F?_Z/8S*+R"]P5^C0!Q!JWQLLHT'%M(P>7,V:Q
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M%O/6PV<=3JV(%0EZ%@D<L, *(+[3=2MAH>'P^FVL+%=LZ;\1I"Y,^#GZMF#
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M:D<NWF06'#F7!"8EH<_GCCK"X JP(0V(1U$)&L)C@1P3^B$@TC<B6ANO5O
MH74C)!YFDTF6&O'7:5+>0D\LZN1&K <B8#^P']CO^].YGZZC/+[.QFSDQ?]9
M%(A8T!]TP@VS$1:AEDW"L.O>:,*C0CU";<AAUS)7)+0#$KI=GYV*CDH0V(2&
M/15@DC/L,-!LAU#?!6E"(BRK%T,B#(DP),*0"$,BK F'0B(L@-M#(@R),"3"
M B(&B3 DPM)2^_,DPML/6P7P>X4D<J1J6^)PBL ZR5V)27UB66WV%5(4.!K8
MQ#0%%+L*#YP5$NJ(0?WJA,#0K_(AG%H0;*O*U=*Z8!OBSURN;5E6B+9N:%T*
MH>2REB-V.^U% 4Z+X B)Q$Y3#$A(NIO;3)A'GT]./[QEW[^^: K:),JO$C;5
M*?N7M+717K"Q\1A=_4;_.CPTWB7Q>/3*N(BNV&+H$]NSQFGUX/UCXX]H/*T&
M8AP>UMYT]OZ/^K/G[SE_HJ95/;C%*[6/>-5K]_SF=-TQV%#6;+DS?3V #N.J
M7^_R$^9>M.$CZ<Q35JRJ[3DV/M_>Q!7ZT9=D>&R<1Y-X;O-Y5IEGNJM_=53_
M6?6K"JS71\SP#1A\R>/HS\,O\666L[>[F4&X.D9OPQ@KK%;M7GDV=\_[WD>N
MCJT:]/R)J.JG3SU??DKY3],)^X3;'W_(+AF^:90.V1L89U$9&0?3-)J.6"0<
MK6OD93'MX"P;CZ.\^/&')#7*ZVQ:1.FH($;\;1BSP=[$N5%4 DECQ*S=9*+P
MWC4+UL:;MQ\^?+HX>?/^_->?]^C>[.>+D[.S^N>FY)>,RFLV22E]L0Q>PPK)
MFX*-IOYN3XP$:T]%E(5<M2QLGMET^OCJ9-NOMY#4 VS,@;,!F_K5A[S%=5Y;
MU/*V7]IY\ULU&<Y_WG,:>[Y& +KW 90F9]+?9G\1&%WWA9#37TS0-JUA%T"&
M''%D7FT6Y1R[CV7.[4[?4].Z@]1)NZ@YY35_U'K))'2)FIV/@%ISWDE%04V3
ML,>?U!ET#*NK/)NFHVI7D.6OC")A;Y#W(IV0("W)'M'':90S#QC?SA&JA!!&
MF1GG"U&$\7L\S-B^>YQ4'9O3HI.I@:,GG!  ";FX6ATD)$[/0%S(GR!7[ZG_
ME!=?I]GQZFUU-LC#1<W1O*)((RJ-KW-.->)TA (N0LU]^41M0*1K1+0V7JW@
M 3YL46R_(JTO'G+D>C$7XZ=T%!77QT8ZG<2,)[-<"*6I&FH\SN5?-+D=QKD\
MC"ZH]54^1NI[=7V7EU$S[*'\3(^4O];3>4GOHSC-)DD*@N?JZ9S;0&M"59R[
M1.N"6E]-I*4F^+Y[3*L9]M""NFN"?_CU^]+?O=9R5?5:J6D.'/,%+H<W!<T-
M 5IS3[/Y@*;/;7H&FDT%!$WJD$<'H?,"RP")91<XJ\;)+!#!637.JG%6W95V
MZ_.BY-O]'>O];M&;MZ[HPB7FO <- !$0(X@1Q,CU1/?)^JC&(>1;LA9*5>Z<
MLI,JJ2JB)E*)5'EFJ$CU414)>UR+HX+J=Z+Z6L6URO'0<+4D9@@<EUBA#[YJ
MA)I#V=HH0..39JB9U*S:DPDV@<5&S26!24GHB[8VDCKLN22D ?%H )[O3</%
M+0TNP+101M+@#;P >J2FF/DN,&N,&21<C3%S.0DL$>Z6D)JNH *N)^KTJK$V
MP/FUV( !$2#RC)@$4+HOJ*[M>;?BQ/CZ])??XW*:IW/4LO0N+[ZA-R@D8 )'
M A &$ &%@D)!H?WEG<_C1;'O)!UFD[C7J[]2^O&^ZQ.K\PH"@D/B$,?B4]=,
M&4A<0@-XR1HD)K'MGFIKR1EJG)!XI@/.[)DS3R89L_6?66^%Q2[TDO'GO8-9
M8J1Q6?VFC+X)<2JAAC;!)I:/BEH- +-(X*-:9B/ W$"TDH^" ^9[HA4>DSG$
M6<3S!55>:<3R]W;&LRZ_XVGUX4:TL@#8R/VBZ:_4F!<>)0Z4V$T0JW(3G"II
MJH.(Y_%9/ZJ"B$-HR$>ICS U ]1BD\X"?_>]2V>V1E?Q4[TND']JL"ZEU245
MI^O-D="@F"1T76)3KO6J9Y:JNBBIVBJ8Q#1[NI>[&5O1$;,]$GH]L;24P<HD
M?F 3SQ&T#+6N1'R59:._D_'8B-+1EIPYG/S9,!^$CD5\:G:=91 :E+G7'80F
M)9[E YJ'T 2A3T+'!C2;H F)8WI0P#2?;Y02UZ8OP;<B\>THOHSS/!Y5I]!Q
M4<FEA65@)9-!CDT""^?531!SN'7DT0<QRQ:M_H7HB#FA:,TPI0YS#O'6M7R@
M_KZI_\G2H/!_CMDFT_2)Q>ED41/>JLI:!L3#D7Y#T"R?.)S.&S3A^S"P"+6[
M/O97.>"%5M7>5M ZH!HQ_K:O#>Y("S GE"F88YF#T$.QJX:@T4& JFI-0;,&
MEB]@N2O10:.<^HDBY-UA&G@H$M;?0@!'56(#!D2 ""J<H,()B+$S8GQ]^LMO
M-U7/*_81<^#RV7X8Y<(DC@F@#B ",@69@DP[)]/5S'+%DO?(M2IT4M</$RNQ
MK,9AR[YG<KMVI<DQZ;X;$M?!R7(CR )".96*T>1<N2KKYM"N*]TI'>I<BU /
MY\J"$#T$91"4R<-@$)1!4 9!F9P!#X(R88C_X=<->_[G)=0%F!XJ"2U,3N(5
MC612YL"G *VQISEH/]D<-$]$T"0/>3XO;=DV%D=SZEX.J61VR[:Q@?$P7D/C
MU0H)8*KN=J^G6?;G')N_HO'TKHM5FWHNM;P580S&PWB$!"'3KXH0U6I&]7-6
M1N.G:E,O>,SX*1U%Q?6QD4XG50XVRX7(,JAQ[K!O$6K9) SYJ#@T.32L4*,>
MH38Z2S5!S22A'9#0%:WTE.BH!8%-:"A:4RZIPUY54]PAU'?%I'S%3UQ7EP(7
M[)]DHSE\<3JJU56S94%A9-.R**.T&LMR'3"*TVR2I%@)<)T2KD5<&]*A9HAY
M =9-#1'S1-,+BXY8T'G#+L7#7&"C*T;?K/_PZ[8DM@">KXR@8-\.!BZ?4LGZ
MR($JT&B;%;G5!,T;<%H;Z:.AVK?=@2#+(X5"GC/P49I;10T52HJ@@ 8004D1
ME!11[<1;<6)\??K+Y\6MH3EN7]C>M][VHAZ7'#$ 5 %$0)X@3Y"G$#*R)ZMS
M0$;6KI["M!SBV'RD/9H<AU:H49]85ILI>151HX%-3!,]'QNB9H6$.J(5.I$Z
M[(5^0.P 93OZ7@A 1";&A("(#"(RB,@$1 PB,HC(E&/]AU^?E5878!JH(Z^P
MS('3YJ9?27$4 XU3V62=0*,#E\_24B-%F1D.!-GQJQ/RS&#@6GS(O^-:)]OP
M?N9:;<O:0;3%0>L5#I1<TW+$;J>-*, !.+O-.H"C34BZ8]JCSR>G']ZR[U]?
M-,5Q$N57"1LM9?^2MC;:"S8V-KK9,(TW;S]\^'1Q\N;]^:\_[]&]V<\7)V=G
M]<]-/2$9E=>O#)/2%\LG/,S&X^BF8*.IO]OK/"'QA+.U)8\1<K8NL)C9=/KX
MK-SVZWI2/_@]WUD[C-,RSKG*&RUJ>=OUBV]^JR;#^<][5F//UQU5EY,J5, I
MT\&0^DC2?N?6:UO,7%" Z[Y0.W[NBML"GY #/*W/:[,HYS!]+'-NJF^5 '+*
MZ]8 @H/MNAVI 1 R?'0Y.I'2?ZUF^KZPGZ_R;)J.JNU&EK\R_GWZKOJO2!S$
M_/WC-,K9'!K?SF'\%%]-V*0RWJ>763Z)RB1+C=_C898.DW$R^[$0):JTB+ L
M:0Y !">3?ZLAX)#DHRGA#YP8UZP3R1R0[-(HJZLI1K%@GFCTWVE1QJ.Z3_R7
MF#%17/]41M_B@OW%XH_8^\T,C1[_@ZXH2X^0H(^=>-Q@ .'R7\)'^FW5ZY\?
MX+6?O/M^2+R03\ETP0T-B!MPK0TOYP/W?.*X/.1G"-=2A&M9#GCG7_^3YC$;
MZ#_QXN+8P3@KBI?&593,&CLO;I 7\7":)V6" /[+@4--/OIYL<TTJ<O'3)D?
MMN6X<D1) 8>$P-UJX#Z99&RX_ZPG7))T60(D*HJX1+@^<(CE>#H$;)OXMH^0
MS7!P HL'#@C;"-O<P_;O<5'FTV')EM/IU:)6P[>;."WBPM!^[O*Y0RFTB1:?
MBVBZ/V7$9L1F[K'Y0U(F5RL+ZF@XS*?1&!-6_;#,]?:^E ^92T-2A&6$9?Z9
MCN'7:5(D=W&Y7C"+(",3>DX?.+;--2,@*0P6"9R@D]2(W#AQ.=@ !X #VE2;
M/%L9V-=LEZ@RCN\0S^2JT9 8"Y.$5B?[ .FA\AQB>3RZ08(KY-"@HRB2'BO
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MGB+TH+O]$HI*)*%-*-*T/>+&X\;C5M!.;*5:46[$7Z=)>0OE!M9M E",[O#
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M/[!O_C]02P$"% ,4    "  Q0YU<4E-ZWBX#  #T"P  $
M@ $     8V)U+3(P,C8P-#(Y+GAS9%!+ 0(4 Q0    ( #%#G5QATG?\_0H
M '^&   4              "  5P#  !C8G4M,C R-C T,CE?;&%B+GAM;%!+
M 0(4 Q0    ( #%#G5P__ #X7P<  .%7   4              "  8L.  !C
M8G4M,C R-C T,CE?<')E+GAM;%!+ 0(4 Q0    ( #%#G5RPWQCU$Q8  *86
M   8              "  1P6  !T;3(V,3,P,31D,5\X:RUI;6<P,2YJ<&=0
M2P$"% ,4    "  Q0YU<"O85H\@3   Q=@  $@              @ %E+
M=&TR-C$S,#$T9#%?.&LN:'1M4$L! A0#%     @ ,4.=7*Z8RO##G   D(D.
M !8              ( !74   '1M,C8Q,S Q-&0Q7V5X.3DM,2YH=&U02P4&
2      8 !@", 0  5-T

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>18
<FILENAME>tm2613014d1_8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2025"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="cbu-20260429.xsd" xlink:type="simple"/>
    <context id="AsOf2026-04-29">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000723188</identifier>
        </entity>
        <period>
            <startDate>2026-04-29</startDate>
            <endDate>2026-04-29</endDate>
        </period>
    </context>
    <dei:AmendmentFlag contextRef="AsOf2026-04-29" id="Fact000003">false</dei:AmendmentFlag>
    <dei:EntityRegistrantName contextRef="AsOf2026-04-29" id="Fact000004">COMMUNITY FINANCIAL SYSTEM, INC.</dei:EntityRegistrantName>
    <dei:EntityCentralIndexKey contextRef="AsOf2026-04-29" id="Fact000005">0000723188</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="AsOf2026-04-29" id="Fact000010">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="AsOf2026-04-29" id="Fact000011">2026-04-29</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode contextRef="AsOf2026-04-29" id="Fact000012">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="AsOf2026-04-29" id="Fact000013">001-13695</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="AsOf2026-04-29" id="Fact000014">16-1213679</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="AsOf2026-04-29" id="Fact000015">333 Butternut Drive</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="AsOf2026-04-29" id="Fact000016">Syracuse</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="AsOf2026-04-29" id="Fact000017">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="AsOf2026-04-29" id="Fact000018">13214</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="AsOf2026-04-29" id="Fact000019">315</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="AsOf2026-04-29" id="Fact000020">445-2282</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="AsOf2026-04-29" id="Fact000021">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="AsOf2026-04-29" id="Fact000022">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="AsOf2026-04-29" id="Fact000023">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="AsOf2026-04-29" id="Fact000024">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="AsOf2026-04-29" id="Fact000025">Common Stock, $1.00 par value per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="AsOf2026-04-29" id="Fact000026">CBU</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="AsOf2026-04-29" id="Fact000027">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="AsOf2026-04-29" id="Fact000028">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
