<SEC-DOCUMENT>0001140361-21-002332.txt : 20210127
<SEC-HEADER>0001140361-21-002332.hdr.sgml : 20210127
<ACCEPTANCE-DATETIME>20210127163028
ACCESSION NUMBER:		0001140361-21-002332
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		13
CONFORMED PERIOD OF REPORT:	20210127
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210127
DATE AS OF CHANGE:		20210127

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NBT BANCORP INC
		CENTRAL INDEX KEY:			0000790359
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				161268674
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14703
		FILM NUMBER:		21560154

	BUSINESS ADDRESS:	
		STREET 1:		52 S BROAD ST
		CITY:			NORWICH
		STATE:			NY
		ZIP:			13815
		BUSINESS PHONE:		6073372265

	MAIL ADDRESS:	
		STREET 1:		52 S. BROAD STREET
		CITY:			NORWICH
		STATE:			NY
		ZIP:			13815
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>brhc10019339_8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<html xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" 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:us-gaap="http://fasb.org/us-gaap/2019-01-31" xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:country="http://xbrl.sec.gov/country/2017-01-31" xmlns:currency="http://xbrl.sec.gov/currency/2019-01-31" xmlns:naics="http://xbrl.sec.gov/naics/2017-01-31" xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31" xmlns:stpr="http://xbrl.sec.gov/stpr/2018-01-31" xmlns:exch="http://xbrl.sec.gov/exch/2019-01-31" xmlns:srt="http://fasb.org/srt/2019-01-31" xmlns:nbtb="http://nbtbank.com/20210127" xmlns="http://www.w3.org/1999/xhtml">
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions
         Document created using EDGARfilings PROfile 7.3.2.0
         Copyright 1995 - 2021 Broadridge -->
    <meta http-equiv="Content-Type" content="text/html" />
</head>

<body style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; background-color: #ffffff;">
<div id="DSPFiXBRLHidden" style="display: none;"><ix:header><ix:hidden><ix:nonNumeric name="dei:AmendmentFlag" id="Fact_ce2cd36e208e4113bf6d96a1cafef427" contextRef="c20210127to20210127" format="ixt:booleanfalse">false</ix:nonNumeric><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_de55d7ee90474685890118b02da0890b" contextRef="c20210127to20210127">NBT BANCORP INC</ix:nonNumeric><ix:nonNumeric name="dei:EntityFileNumber" id="Fact_fc51c0b198f34a86a115368c846728af" contextRef="c20210127to20210127">000-14703</ix:nonNumeric><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="Fact_c6f3a02edf134b3f83a513f400595cc0" contextRef="c20210127to20210127">16-1268674</ix:nonNumeric><ix:nonNumeric name="dei:EntityAddressPostalZipCode" id="Fact_8f8e706c59bc4e06862c2ebe3fedb066" contextRef="c20210127to20210127">13815</ix:nonNumeric><ix:nonNumeric name="dei:CityAreaCode" id="Fact_387f2845c6ef47019d00e80ac35a9db3" contextRef="c20210127to20210127">607</ix:nonNumeric><ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_62fe702debf346b5bf81509209c76279" contextRef="c20210127to20210127">337-2265</ix:nonNumeric><ix:nonNumeric name="dei:WrittenCommunications" id="Fact_bb196dd738894cc79d9b12560b3fe3ad" contextRef="c20210127to20210127" format="ixt:booleanfalse">false</ix:nonNumeric><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_7e72cb96ff1b498eb456057eccb78d2a" contextRef="c20210127to20210127" format="ixt:booleanfalse">false</ix:nonNumeric><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_56c898e3905a45e986958a7068ed3905" contextRef="c20210127to20210127" format="ixt:booleanfalse">false</ix:nonNumeric><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_eb358a5b546043149d301b485094d090" contextRef="c20210127to20210127" format="ixt:booleanfalse">false</ix:nonNumeric><ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_eb9d63036b224e7dbb6485f73b42eb0d" contextRef="c20210127to20210127" format="ixt:booleanfalse">false</ix:nonNumeric><ix:nonNumeric name="dei:EntityCentralIndexKey" id="Fact_72b8a33cf2b54d0a9746643b39669a11" contextRef="c20210127to20210127">0000790359</ix:nonNumeric><ix:nonNumeric name="dei:Security12bTitle" id="Fact_8735b1be22ef44bb93b98f9440da073e" contextRef="c20210127to20210127">Common Stock, par value $0.01 per share</ix:nonNumeric><ix:nonNumeric name="dei:TradingSymbol" id="Fact_d5f31a1d46b5449f849a3d9e3b4ecc56" contextRef="c20210127to20210127">NBTB</ix:nonNumeric><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_cf27c3e362e34d69b9bf13b2aa17ca86" contextRef="c20210127to20210127">NASDAQ</ix:nonNumeric></ix:hidden><ix:references><link:schemaRef xlink:href="nbtb-20210127.xsd" xlink:type="simple"></link:schemaRef></ix:references><ix:resources><xbrli:context id="c20210127to20210127"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000790359</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-27</xbrli:startDate><xbrli:endDate>2021-01-27</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div>

  <div>
    <hr style="border: none; border-bottom: 1px solid black; border-top: 4px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;" />
    <div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

      <span style="font-size: 14pt;"> </span>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 12pt;"><span style="font-family: 'Times New Roman'; font-weight: bold;">WASHINGTON, D.C. 20549</span></div>

      <div style="text-align: left;"><br />
      </div>

      <div style="text-align: left;">
        <hr style="height: 2px; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;" /> </div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_4b926303f4be4dcaa0883718ad512c9f" contextRef="c20210127to20210127">8-K</ix:nonNumeric></div>

      <div style="text-align: center;"><br />
      </div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CURRENT REPORT</div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>

      <div style="text-align: center;"><br />
      </div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_af6c532613b745378bbaa94bf39677b5" contextRef="c20210127to20210127" format="ixt:datemonthdayyearen">January 27, 2021</ix:nonNumeric></div>

      <div style="text-align: left;"><br />
      </div>

      <div style="text-align: left;">
        <hr style="height: 2px; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;" /> </div>

      <div style="text-align: left;"><br />
      </div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 24pt; font-weight: bold;"><span style="-sec-ix-hidden:Fact_de55d7ee90474685890118b02da0890b">NBT BANCORP INC.</span><br />
      </div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">(Exact name of registrant as specified in its charter)</div>

      <div style="text-align: center;"><br />
      </div>

      <table cellspacing="0" cellpadding="0" border="0" id="z0fb322c66e6145e48708a1cb3c0ae774" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="width: 34%; vertical-align: bottom;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" id="Fact_70e7457f903d4f6d95ae3939c54fecda" contextRef="c20210127to20210127" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric><br />
              </div>
            </td>

    <td style="width: 33.3%; vertical-align: bottom;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="-sec-ix-hidden:Fact_fc51c0b198f34a86a115368c846728af">000-14703</span><br />
              </div>
            </td>

    <td style="width: 33.2%; vertical-align: bottom;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="-sec-ix-hidden:Fact_c6f3a02edf134b3f83a513f400595cc0">16-1268674</span><br />
              </div>
            </td>

  </tr>

  <tr>

    <td style="width: 34%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">(State or other jurisdiction of incorporation or organization)</div>
            </td>

    <td style="width: 33.3%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">(Commission File Number)</div>
            </td>

    <td style="width: 33.2%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">(I.R.S. Employer Identification No.)</div>
            </td>

  </tr>


</table>
      <div style="text-align: center;"><br />
      </div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressAddressLine1" id="Fact_55f178a087cc4b0086bd0abc06a110a1" contextRef="c20210127to20210127">52 South Broad Street</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" id="Fact_e7356aa760114893977501babd4b1f72" contextRef="c20210127to20210127">Norwich</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" id="Fact_a80d6435b52e4a54977381ba5f13ce03" contextRef="c20210127to20210127" format="ixt-sec:stateprovnameen">New York</ix:nonNumeric> <span style="-sec-ix-hidden:Fact_8f8e706c59bc4e06862c2ebe3fedb066">13815</span></div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">(Address of principal executive offices) (Zip Code)</div>

      <div><br />
      </div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">Registrant&#8217;s telephone number, including area code: <span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">(<span style="-sec-ix-hidden:Fact_387f2845c6ef47019d00e80ac35a9db3">607</span>) <span style="-sec-ix-hidden:Fact_62fe702debf346b5bf81509209c76279">337-2265</span></span></div>

      <div><br />
      </div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Not Applicable</div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">(Former name or former address, if changed since last report)</div>

      <div style="text-align: center;"><br />
      </div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">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:</div>

      <div style="text-align: left;"><br />
      </div>

      <table cellspacing="0" cellpadding="0" id="z3c45270e233a4a7c92acf64c90e2f6e5" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 18pt; vertical-align: top; align: right; font-family: 'Times New Roman'; font-size: 10pt;"><span style="-sec-ix-hidden:Fact_bb196dd738894cc79d9b12560b3fe3ad">&#x2610;</span></td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
            </td>

  </tr>


</table>
      <div><br />
      </div>

      <table cellspacing="0" cellpadding="0" id="z9518da7376a3490a9c75cd5a524d75ac" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 18pt; vertical-align: top; align: right; font-family: 'Times New Roman'; font-size: 10pt;"><span style="-sec-ix-hidden:Fact_7e72cb96ff1b498eb456057eccb78d2a">&#x2610;</span></td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
            </td>

  </tr>


</table>
      <div><br />
      </div>

      <table cellspacing="0" cellpadding="0" id="z30f2c64f20ae42708eead84e65304e1b" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 18pt; vertical-align: top; align: right; font-family: 'Times New Roman'; font-size: 10pt;"><span style="-sec-ix-hidden:Fact_56c898e3905a45e986958a7068ed3905">&#x2610;</span></td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
            </td>

  </tr>


</table>
      <div><br />
      </div>

      <table cellspacing="0" cellpadding="0" id="ze627a917ae2146b4af5cd349028c537f" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 18pt; vertical-align: top; align: right; font-family: 'Times New Roman'; font-size: 10pt;"><span style="-sec-ix-hidden:Fact_eb358a5b546043149d301b485094d090">&#x2610;</span></td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
            </td>

  </tr>


</table>
      <div><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Securities registered pursuant to Section 12(b) of the Act:</div>

      <div><br />
      </div>

      <table cellspacing="0" cellpadding="0" id="z2cb1a963141b495e8f48689f87ea0eeb" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="width: 36.82%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><span style="text-decoration: underline;">Title of class</span></div>
            </td>

    <td style="width: 0.86%; vertical-align: bottom;">&#160;</td>

    <td style="width: 23.96%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><span style="text-decoration: underline;">Trading Symbol</span></div>
            </td>

    <td style="width: 0.86%; vertical-align: bottom;">&#160;</td>

    <td style="width: 37.5%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><span style="text-decoration: underline;">Name of exchange on which registered</span></div>
            </td>

  </tr>

  <tr>

    <td style="width: 36.82%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><span style="-sec-ix-hidden:Fact_8735b1be22ef44bb93b98f9440da073e">Common Stock, par value $0.01 per share</span><br />
              </div>
            </td>

    <td style="width: 0.86%; vertical-align: bottom;">&#160;</td>

    <td style="width: 23.96%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><span style="-sec-ix-hidden:Fact_d5f31a1d46b5449f849a3d9e3b4ecc56">NBTB</span><br />
              </div>
            </td>

    <td style="width: 0.86%; vertical-align: bottom;">&#160;</td>

    <td style="width: 37.5%; vertical-align: top; text-align: center;"><span style="-sec-ix-hidden:Fact_cf27c3e362e34d69b9bf13b2aa17ca86">The NASDAQ Stock Market LLC</span></td>

  </tr>


</table>
      <div><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">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).</div>

      <div style="text-align: justify;"><br />
      </div>

      <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">Emerging growth company <span style="-sec-ix-hidden:Fact_eb9d63036b224e7dbb6485f73b42eb0d">&#x2610;</span></div>

      <div style="text-align: justify;"><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">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. &#9744;</div>

      <div style="text-align: left;"><br />
      </div>

      <div style="text-align: left;">
        <hr style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;" /></div>

      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="page-break-after:always;">
          <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

      </div>

      <table cellspacing="0" cellpadding="0" id="z5421f61a9e394148a589ddb8469214e9" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 54pt; vertical-align: top; align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 2.02</td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Results of Operations and Financial Condition</div>
            </td>

  </tr>


</table>
      <div><br />
      </div>

      <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">On January 27, 2021, NBT Bancorp Inc. issued a press release describing its results of operations for the quarter ended December 31, 2020. That
        press release is furnished as Exhibit 99.1 hereto. A conference call will be held at 8:30 a.m. Eastern Time on Thursday, January 28, 2021, to review fourth quarter 2020 financial results. The audio webcast link, along with the corresponding
        presentation slides, will be available on the Company&#8217;s Investor Relations web page at <span style="text-decoration: underline;">https://stockholderinfo.nbtbancorp.com/events-calendar/upcoming-events</span>.</div>

      <div>&#160;</div>

      <table cellspacing="0" cellpadding="0" id="z565fd0fc3ab545f68e427967312260a3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 49.5pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 9.01</td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Financial Statements and Exhibits.</div>
            </td>

  </tr>


</table>
      <div>&#160;</div>

      <table cellspacing="0" cellpadding="0" id="z2e297627546e411583dbd1eb1ab7778d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 27pt; vertical-align: top; align: right; font-family: 'Times New Roman'; font-size: 10pt;">(a)</td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Not applicable.</div>
            </td>

  </tr>


</table>
      <div>&#160;</div>

      <table cellspacing="0" cellpadding="0" id="ze2d49e4413004782b16b13bb00a469ad" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 27pt; vertical-align: top; align: right; font-family: 'Times New Roman'; font-size: 10pt;">(b)</td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Not applicable.</div>
            </td>

  </tr>


</table>
      <div>&#160;</div>

      <table cellspacing="0" cellpadding="0" id="z89123af2e1de45e9bf112c8aa15430d8" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 27pt; vertical-align: top; align: right; font-family: 'Times New Roman'; font-size: 10pt;">(c)</td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Not applicable.</div>
            </td>

  </tr>


</table>
      <div>&#160;</div>

      <table cellspacing="0" cellpadding="0" id="z43f2e05c56564dad9183ec156933f421" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 27pt; vertical-align: top; align: right; font-family: 'Times New Roman'; font-size: 10pt;">(d)</td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Exhibits.</div>
            </td>

  </tr>


</table>
      <div>&#160;</div>

      <div></div>

      <table cellspacing="0" cellpadding="0" border="0" id="zacfb2e7e02e7442784cee54cde40d061" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="width: 11%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Exhibit No.</div>
            </td>

    <td colspan="1" style="width: 1%; vertical-align: top; padding-bottom: 2px;">&#160;</td>

    <td style="width: 88%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Description</div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 11%; vertical-align: top;">&#160;</td>

    <td rowspan="1" colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td rowspan="1" style="width: 88%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 11%; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"><a href="brhc10019339_ex99-1.htm">99.1</a></div>
            </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 88%; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Press release of NBT Bancorp Inc. dated January 27, 2021</div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 11%; vertical-align: top;">&#160;</td>

    <td rowspan="1" colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td rowspan="1" style="width: 88%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 11%; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">104</div>
            </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 88%; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;">Cover Page Interactive Data File (embedded within the Inline XBRL document)</div>
            </td>

  </tr>


</table>
      <div><br />
      </div>

      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="page-break-after:always;">
          <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

      </div>

      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SIGNATURE</div>

      <div style="text-align: center;"><br />
      </div>

      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">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.</div>

      <div style="text-align: left;"><br />
      </div>

      <table cellspacing="0" cellpadding="0" border="0" id="z6fe06c1701554df1b218438aa5d30a67" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="width: 50%; vertical-align: top;">&#160;</td>

    <td style="vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT BANCORP INC.</div>
            </td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top;">&#160;</td>

    <td style="width: 3%; vertical-align: top;">&#160;</td>

    <td style="width: 47%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Date: January 27, 2021</div>
            </td>

    <td style="width: 3%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
            </td>

    <td style="width: 47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">/s/ John V. Moran</div>
            </td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top;">&#160;</td>

    <td style="width: 3%; vertical-align: top;">&#160;</td>

    <td style="width: 47%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">John V. Moran</div>
            </td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top;">&#160;</td>

    <td style="width: 3%; vertical-align: top;">&#160;</td>

    <td style="width: 47%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Executive Vice President</div>
            </td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top;">&#160;</td>

    <td style="width: 3%; vertical-align: top;">&#160;</td>

    <td style="width: 47%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">and Chief Financial Officer</div>
            </td>

  </tr>


</table>
      <div> <br />
      </div>

      <div> <br />
      </div>

      <div>
        <hr style="height: 2px; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;" /> </div>

      <div style="text-align: right;"></div>

      <div></div>

    </div>

  </div>

</body>
</html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>brhc10019339_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions
         Document created using EDGARfilings PROfile 7.3.2.0
         Copyright 1995 - 2021 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 99.1</font><br>
  </div>
  <div><br>
  </div>
  <div style="font-size: 8pt; text-align: right;">1<br>
  </div>
  <div><br>
  </div>
  <div>
    <div style="text-align: justify; font-weight: bold;">FOR IMMEDIATE RELEASE</div>
    <div>
      <div style="text-align: justify; font-weight: bold;">ATTENTION: FINANCIAL AND BUSINESS EDITORS</div>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div> <br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="z9ff1711572e44796a42a225d10e51009" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: justify;">Contact:</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="text-align: justify;">John H. Watt, Jr., President and CEO</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">&#160;</td>
          <td style="width: 90%; vertical-align: top;">
            <div style="text-align: justify;">John V. Moran, Executive Vice President and CFO</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">&#160;</td>
          <td style="width: 90%; vertical-align: top;">
            <div style="text-align: justify;">NBT Bancorp Inc.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">&#160;</td>
          <td style="width: 90%; vertical-align: top;">
            <div style="text-align: justify;">52 South Broad Street</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">&#160;</td>
          <td style="width: 90%; vertical-align: top;">
            <div style="text-align: justify;">Norwich, NY 13815</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">&#160;</td>
          <td style="width: 90%; vertical-align: top;">
            <div style="text-align: justify;">607-337-6589</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">NBT BANCORP INC. ANNOUNCES NET INCOME OF $104.4 MILLION ($2.37 PER DILUTED COMMON SHARE); APPROVES DIVIDEND AND INCREASE TO SHARES AVAILABLE UNDER SHARE REPURCHASE PROGRAM</div>
    <div><br>
    </div>
    <div style="text-align: justify;">NORWICH, NY (January 27, 2021) &#8211; NBT Bancorp Inc. (&#8220;NBT&#8221; or the &#8220;Company&#8221;) (NASDAQ: NBTB) reported net income and diluted earnings per share for both the quarter and year ended December 31, 2020.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Net income for the year ended December 31, 2020 was $104.4 million, down 13.7% from $121.0 million for the prior year due primarily to higher provision for loan losses after the adoption of the Current Expected Credit
      Losses (&#8220;CECL&#8221;) accounting methodology and related to the deterioration of economic conditions caused by the COVID-19 pandemic. Diluted earnings per share for the year ended December 31, 2020 was $2.37, as compared with $2.74 for the prior year, a
      decrease of 13.5%. <a name="z_Hlk61609973"></a>Excluding full year branch optimization charges of $4.8 million, net income and earnings per diluted share were $108.1 million and $2.46, respectively.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">Pre-provision net revenue (&#8220;PPNR&#8221;)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> for the year ended December 31, 2020 was $193.4 million compared to $182.1 million in the prior year.
      The 6% increase in PPNR from the prior year reflected higher net interest income, higher noninterest income and lower noninterest expense.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Net income for the three months ended December 31, 2020 was $34.2 million, or $0.78 per diluted common share. Net income was down $0.9 million from the previous quarter primarily due to branch optimization charges for
      the quarter of $4.1 million and up $5.2 million from the fourth quarter of 2019 due to higher net interest income and lower provision for loan losses, partly offset by the branch optimization charges. Excluding branch optimization charges for the
      quarter of $4.1 million, net income and earnings per diluted share were $37.4 million and $0.85, respectively.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">PPNR<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> for the fourth quarter of 2020 was $48.2 million compared to $49.6 million in the previous quarter and $43.3 million in the fourth
      quarter of 2019. The 3% decline in PPNR from the previous quarter reflected higher operating expenses related to timing of initiatives, partly offset by higher net interest income.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">CEO Comments</div>
    <div><br>
    </div>
    <div style="text-align: justify;">&#8220;NBT ended the year with active pipelines and building momentum. Our strong capital base provides us with the optionality we need to drive our growth in 2021,&#8221; said NBT President and CEO John H. Watt, Jr. &#8220;The strength
      of NBT&#8217;s pre-provision net revenue and our outsized noninterest income is reflected in our results for the full year and the fourth quarter of 2020. As we continue to navigate these challenging times and look to the future, our team is customer
      focused and committed to executing the critical strategies that will carry us forward.&#8221;</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
    </div>
    <!--PROfilePageNumberReset%Num%2%%%-->
    <div style="text-align: justify; font-weight: bold;">Fourth Quarter Financial Highlights</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z4f6bc40f0de24938818e14d08f629c7d" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 22.63%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Net Income</div>
          </td>
          <td style="width: 77.37%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; Net income of $34.2 million</div>
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; Diluted earnings per share of $0.78</div>
          </td>
        </tr>
        <tr>
          <td style="width: 22.63%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Net Interest Income / NIM</div>
          </td>
          <td style="width: 77.37%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; Net interest income on a fully taxable equivalent basis was $80.4 million<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; Net interest margin (&#8220;NIM&#8221;) on a fully taxable equivalent basis was 3.20%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup>, up 3 bps from the prior
              quarter</div>
          </td>
        </tr>
        <tr>
          <td style="width: 22.63%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">PPNR</div>
          </td>
          <td style="width: 77.37%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; PPNR<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> was $48.2 million compared to $49.6 million in the third quarter of 2020 and $43.3 million in the
              fourth quarter of 2019</div>
          </td>
        </tr>
        <tr>
          <td style="width: 22.63%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Loans and Credit Quality</div>
          </td>
          <td style="width: 77.37%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; Period end loans were $7.5 billion, up 5% from December 31, 2019 and comparable to September 30, 2020</div>
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; Excluding $431 million of Paycheck Protection Program (&#8220;PPP&#8221;) loans at December 31, 2020, period end loans increased $22 million or 0.3% from September 30, 2020</div>
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; Allowance for loan losses to total loans of 1.47% (1.56% excluding PPP loans and related allowance), down 4 bps from the third quarter (down 6 bps excluding PPP loans and related
              allowance)</div>
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; Net charge-offs to average loans was 0.21%, annualized (0.22% excluding PPP loans)</div>
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; Nonperforming assets to total assets was 0.45% (0.47% excluding PPP loans)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 22.63%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Capital</div>
          </td>
          <td style="width: 77.37%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; Tangible book value per share<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> grew 2% for the quarter and 8% from prior year to $20.52 at December 31,
              2020</div>
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; Tangible equity to assets of 8.41%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
            <div style="text-indent: -18pt; margin-left: 36pt;">&#9726;&#160;&#160;&#160; CET1 ratio of 11.84%; Leverage ratio of 9.56%</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Loans</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="ze3755dba403e444db9f17ddd5e5f2224" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Period end total loans were $7.5 billion at December 31, 2020 and $7.6 billion at September 30, compared to $7.1 billion at December 31, 2019.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zc37b1428ce5541c68c78cdd6f3e6f1da" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Total PPP loans as of December 31, 2020 were $431 million (net of unamortized fees), with $548 million originated at an average loan size of $184 thousand and an average annual fee of 3.2%.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z1ada58bf97364eb29fcbb7c328800e87" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Excluding PPP loans, period end loans increased $22.0 million from September 30, 2020. Commercial and industrial loans decreased $29.7 million to $1.3 billion; commercial real estate loans increased $98.5 million to $2.4 billion; and total
              consumer loans decreased $46.8 million to $3.4 billion.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z3847dae730374053ab1653b13aa516a9" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Commercial line of credit utilization rate was 22% at December 31, 2020 compared to 25% at September 30, 2020 and 32% at December 31, 2019.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;"><a name="z_Hlk38349172"></a>Deposits</div>
    <div style="text-align: justify;"><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z112def81bb9e4677bbecb88e0227da84" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Average total deposits in the fourth quarter of 2020 were $9.1 billion, compared to $8.8 billion in the third quarter of 2020, primarily due to increases in non-interest bearing demand deposit accounts.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z2dc61baefe27498dbca5ec884a4dfe7e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Loan to deposit ratio was 82.6% at December 31, 2020, compared to 94.0% at December 31, 2019 and 84.4% at September 30, 2020.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: justify;"><a name="z_Hlk38350803"></a><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
    </div>
    <div style="font-weight: bold;">Net Interest Income and Net Interest Margin</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="zc9ab90ed455447d59d94050d8da50664" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Net interest income for the fourth quarter of 2020 was $80.1 million, up $2.2 million or 2.8% from the third quarter of 2020 and up $2.9 million or 3.8% from the fourth quarter of 2019.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z9ee31c10910a435e882d56cf187a0d67" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;"><a name="z_Hlk53558660"></a>&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The net interest margin on a fully taxable equivalent (&#8220;FTE&#8221;) basis for the fourth quarter of 2020 was 3.20%, up 3 basis points (&#8220;bps&#8221;) from the third quarter of 2020 and down 32 bps from the fourth quarter of 2019. The net impact of PPP
              loans and excess liquidity negatively impacted the NIM by 8 bps in the fourth quarter versus a negative impact of 10 bps in the third quarter of 2020. Excluding the impact of PPP lending and excess liquidity from each quarter, NIM increased 1
              bp from the prior quarter primarily due to a 5 bps decline in the cost of interest bearing liabilities and minimal reduction in asset yields during the quarter.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zc728d583a30d4ce79bf76fcb9a9963e4" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Earning asset yields for the three months ended December 31, 2020 were up 1 bp from the prior quarter and down 67 bps from the same quarter in the prior year. Earning assets grew $159.3 million or 1.6% from the prior quarter and grew $1.2
              billion or 14.3% from the same quarter in the prior year.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z1b9e0d13466a4a378d1272434723e655" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">o</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Excess liquidity resulted in a $74.9 million increase in the average balances of short-term interest bearing accounts.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z923ad89b2e5a4813b052113ad721ef72" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">o</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The average balance of investment securities increased $111.4 million while yields declined 20 bps.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z66725bc03048479cbf35ec298f1431b7" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">o</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Loan yields increased 11 bps to 4.06% due primarily to the fees recognized due to $73 million in PPP loans forgiven during the quarter (7 bps) combined with a $45 million increase in the average balance of higher yielding consumer loans (9
              bps).</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zf153d76800424b30a5046f907795f9dc" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Total cost of deposits was 0.17% for the fourth quarter of 2020, down 2 bps from the prior quarter and down 36 bps from the same period in the prior year.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z12488343e77045568cc35b586fd769c5" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The cost of interest-bearing liabilities for the three months ended December 31, 2020 was 0.40%, down as compared to the prior quarter of 0.45% and down 50 bps from the fourth quarter of 2019 of 0.90%.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z01a274d3fcd3400dbcf357c25b04bb90" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 54pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">o</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Cost of interest-bearing deposits decreased 4 bps from the prior quarter and decreased 51 bps from the same quarter in 2019.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Credit Quality and Allowance for Credit Losses</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z6512e6ef382d429bbb22284e2d68ab12" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Net charge-offs to average loans were low due to COVID-19 pandemic relief programs for the quarter and 2020. Net charge-offs to total average loans were 23 bps for 2020 compared to 36 bps for 2019.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z4c48f2c6a86747e28ae1721069485cb9" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Net charge-offs to total average loans of 21 bps (22 bps excluding PPP loans) compared to 12 bps (13 bps excluding PPP loans) in the prior quarter and 30 bps in the fourth quarter of 2019. The increase in charge-offs during the fourth
              quarter of 2020 was primarily due to higher charge-offs in commercial, indirect auto and specialty lending, but continue to be at lower levels due to pandemic relief programs.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z5ab3e18abaa5450bbaf27cdd3a8cbd06" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Nonperforming assets to total assets was 0.45% (0.47% excluding PPP loans) compared to 0.37% (0.39% excluding PPP loans) at September 30, 2020 and 0.31% at December 31, 2019. The change in nonperforming assets was primarily related to an
              increase in nonperforming commercial and residential real estate loans.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zd7b2481073f04f62b156b49e1feaa967" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Provision expense for the three months ended December 31, 2020 was ($0.6) million while net charge-offs of $3.9 million were up compared with the prior quarter. Provision expense decreased $3.9 million from the third quarter of 2020 and
              decreased $6.6 million from the fourth quarter of 2019. The decrease in provision expense from the prior quarter and fourth quarter of 2019 was primarily due to the $4.5 million reduction in the level of allowance for loan losses resulting
              from an improved economic forecast.</div>
          </td>
        </tr>

    </table>
    <div> <br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
    </div>
    <table cellspacing="0" cellpadding="0" id="zf98ca7c091b44a7b8a6cbc008e1fbafc" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The allowance for loan losses was $110.0 million or 1.47% (1.56% excluding PPP loans and related allowance) of total loans compared to 1.51% (1.62% excluding PPP loans and related allowance) at September 30, 2020 and 1.02% December 31,
              2019. The allowance for loans losses was calculated under the CECL accounting method in 2020 and the incurred loss accounting method in 2019.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zbbf250345c1a4b3a816bec4f5aba7511" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;"><a name="z_Hlk46401541"></a>&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>As of January 19, 2021, 1.5% of loans (loans outstanding as of December 31, 2020; excluding PPP balances) are in payment deferral programs which is down from the second quarter 2020 peak of 14.9%.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zf2214222bbf843758b797009af1afe0a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The reserve for unfunded loan commitments increased to $6.4 million at December 31, 2020 compared to the prior quarter at $5.5 million.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="font-weight: bold;">Noninterest Income</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="zc9ecbfac45b34a5797363512f14da8d8" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Total noninterest income, excluding securities gains (losses), was $38.0 million for the three months ended December 31, 2020, up $0.3 million from the prior quarter and up $1.9 million from the prior year quarter.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zf25ea78ad7724d8b899b4e164f6d6c5f" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Service charges on deposit accounts were higher than the prior quarter but lower than the fourth quarter of 2019. Overdraft charges have been lower during the COVID-19 pandemic, recovering from the third quarter of 2020 but continue to run
              lower than prior year levels.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z08005e1a266840a6922c613f49bfb8c6" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>ATM and debit card fees were lower compared to the prior quarter due to seasonality and higher compared to the fourth quarter of 2019 due to increased volume and higher per transaction rates.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z83d6f6e9169b4747a5ba0cc2e42aa564" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Retirement plan administration fees were lower than the prior quarter, as third quarter fees were higher due to seasonal revenues, and higher than the fourth quarter of 2019 due to the April 1, 2020 acquisition of Alliance Benefit Group of
              Illinois, Inc. (&#8220;ABG&#8221;) contributing $1.5 million in revenues during the fourth quarter and $1.7 million during the third quarter.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z66c479adb70c43b09d006dc522606b96" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The increase in other noninterest income from the prior quarter was driven by higher loan swap fee income partially offset by lower mortgage banking income. The decrease from the fourth quarter of 2019 was driven by lower loan swap fee
              income and lower mortgage banking income.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Noninterest Expense</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zbe1eec4db8b5409299c5e35a7573d39a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Total noninterest expense for the fourth quarter of 2020 was up 13.4% from the previous quarter and up 7.0% from the fourth quarter of 2019, primarily due to $4.1 million in branch optimization costs incurred during the fourth quarter of
              2020. The branch optimization strategies charged in 2020 are expected to improve future operating expenses by about $2.5 million annually once fully implemented.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z2d4b14c0ef114ae8a101dc87981021cc" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Salaries and benefits increased from the prior quarter due to the timing of medical expenses and increased from the fourth quarter of 2019 driven by the addition of ABG&#8217;s salaries and benefits.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z138adab26c934a6cbadf87edaffa3137" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Data processing and communication expense were down compared to the fourth quarter of 2019 due to lower transaction volumes as a result of the COVID-19 pandemic.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z5d3915905e484a11972b59f06b89e883" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Professional fees and outside services were up $1.0 million compared to the prior quarter primarily due to the timing of expenses.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="ze73cb8e6f1ba4bffb8977f33726b227e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Equipment expense was higher than both the prior quarter and the fourth quarter of 2019 due to higher technology costs associated with several digital upgrades.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zd299ece7ea594015bd2d48d8e0c5d05d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>FDIC expense was higher than the fourth quarter of 2019 due to the benefit of the FDIC insurance assessment small bank credit in the fourth quarter of 2019.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zfee24a6fcedf4a4caddfce772a9755c3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Other expenses increased compared to both the prior quarter and the fourth quarter of 2019 due to $4.1 million in branch optimization charges and a $0.9 million increase in the reserve for unfunded commitments.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
    </div>
    <div style="font-weight: bold;">Income Taxes</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zfe92667d4e84453c9eeef0a9258f7ef2" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The effective tax rate was 21.6% for the fourth quarter of 2020 compared to 23.8% for the third quarter of 2020 and 22.0% for the fourth quarter of 2019. The full year effective tax rate for 2020 was 21.6% compared to 22.1% for the full
              year in 2019.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Capital</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z730fb7f567604b85895d41515766da6e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Capital ratios remain strong with tangible common equity to tangible assets<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> at 8.41%. Tangible book value per share<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> grew 2% from the prior quarter and 8% from the prior year quarter to $20.52.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z3114ae30ce954f57a8a9d344cda9d672" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>December 31, 2020 CET1 capital ratio of 11.84%, leverage ratio of 9.56% and total risk-based capital ratio of 15.62%.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Stock Repurchase Program</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z845b1875834849e883e040749149bf4f" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>At a meeting held today, the Board of Directors approved an increase to the total number of shares authorized under the current stock repurchase program to 2 million shares from 1 million shares, previously. There have been 263,507 shares
              repurchased under the plan. The stock repurchase plan expires on December 31, 2021.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Dividend</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z2b8b2735111e4e5399e1e9720b71428d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 18pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top; align: right;">&#9726;</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The Board of Directors approved a first-quarter cash dividend of $0.27 per share at a meeting held today. The dividend will be paid on March 15, 2021 to shareholders of record as of March 1, 2021.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;"><a name="z_Hlk38028233"></a><a name="z_Hlk38347691"></a><a name="z_Hlk38453390"></a>Conference Call and Webcast</div>
    <div><br>
    </div>
    <div style="text-align: justify;">The Company will host a conference call at 8:30 a.m. Eastern Time on Thursday, January 28, 2021, to review fourth quarter 2020 financial results. The audio webcast link, along with the corresponding presentation
      slides, will be available on the Company&#8217;s Investor Relations web page at <u>https://stockholderinfo.nbtbancorp.com/events-calendar/upcoming-events</u> and will be archived for twelve months.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Corporate Overview</div>
    <div><br>
    </div>
    <div style="text-align: justify;"><font style="color: #000000;">NBT Bancorp Inc. is a financial holding company headquartered in Norwich, NY, with total assets of $10.9 billion at December 31, 2020. The Company primarily operates through NBT Bank,
        N.A., a full-service community bank, and through two financial services companies. NBT Bank, N.A. has 141 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire and Maine, and is currently entering Connecticut. EPIC
        Retirement Plan Services, based in Rochester, NY, is a full-service 401(k) plan recordkeeping firm. NBT Insurance Agency, LLC, based in Norwich, NY, is a full-service insurance agency. More information about NBT and its divisions is available
        online at: </font><u>www.nbtbancorp.com</u><font style="color: #000000;">, </font><u>www.nbtbank.com</u><font style="color: #000000;">, </font><u>www.epicrps.com</u> <font style="color: #000000;">and </font><u>www.nbtinsurance.com</u><font style="color: #000000;">.</font></div>
    <div style="text-align: justify;"><font style="color: #000000;"> <br>
      </font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
    </div>
    <div style="font-weight: bold;">Forward-Looking Statements</div>
    <div>&#160;</div>
    <div style="text-align: justify; color: #000000;">This news release contains forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. These statements may be identified by the use of phrases such as &#8220;anticipate,&#8221;
      &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;forecasts,&#8221; &#8220;projects,&#8221; &#8220;will,&#8221; &#8220;can,&#8221; &#8220;would,&#8221; &#8220;should,&#8221; &#8220;could,&#8221; &#8220;may,&#8221; or other similar terms. There are a number of factors, many of which are beyond the Company&#8217;s control that could cause actual results to differ materially
      from those contemplated by the forward-looking statements. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include, among others, the following possibilities: (1) local, regional,
      national and international economic conditions and the impact they may have on the Company and its customers and the Company&#8217;s assessment of that impact; (2) changes in the level of nonperforming assets and charge-offs; (3) changes in estimates of
      future reserve requirements based upon the periodic review thereof under relevant regulatory and accounting requirements; (4) the effects of and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the
      Federal Reserve Board (&#8220;FRB&#8221;); (5) inflation, interest rate, securities market and monetary fluctuations; (6) political instability; (7) acts of war or terrorism; (8) the timely development and acceptance of new products and services and perceived
      overall value of these products and services by users; (9) changes in consumer spending, borrowings and savings habits; (10) changes in the financial performance and/or condition of the Company&#8217;s borrowers; (11) technological changes; (12)
      acquisitions and integration of acquired businesses; (13) the ability to increase market share and control expenses; (14) changes in the competitive environment among financial holding companies; (15) the effect of changes in laws and regulations
      (including laws and regulations concerning taxes, banking, securities and insurance) with which the Company and its subsidiaries must comply, including those under the Dodd-Frank Act, Economic Growth, Regulatory Relief, Consumer Protection Act of
      2018, Coronavirus Aid, Relief and Economic Security Act (&#8220;CARES Act&#8221;), and regulatory pronouncements around CARES Act; (16) the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the
      Public Company Accounting Oversight Board, the Financial Accounting Standards Board (&#8220;FASB&#8221;) and other accounting standard setters; (17) changes in the Company&#8217;s organization, compensation and benefit plans; (18) the costs and effects of legal and
      regulatory developments including the resolution of legal proceedings or regulatory or other governmental inquiries and the results of regulatory examinations or reviews; (19) greater than expected costs or difficulties related to the integration of
      new products and lines of business; (20) the adverse impact on the U.S. economy, including the markets in which we operate, of the novel coronavirus, which causes the Coronavirus disease 2019 (&#8220;COVID-19&#8221;), global pandemic; (21) the impact of a
      slowing U.S. economy and increased unemployment on the performance of our loan portfolio, the market value of our investment securities, the availability of sources of funding and the demand for our products; and (22) the Company&#8217;s success at
      managing the risks involved in the foregoing items.</div>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">7</font></div>
    </div>
    <div style="text-align: justify; color: #000000;">Currently, one of the most significant factors that could cause actual outcomes to differ materially from the Company&#8217;s forward-looking statements is the potential adverse effect of the current COVID-19
      pandemic on the financial condition, results of operations, cash flows and performance of the Company, its customers and the global economy and financial markets. The extent to which the COVID-19 pandemic impacts the Company will depend on future
      developments, which are highly uncertain and cannot be predicted with confidence, including the scope, severity and duration of the pandemic and its impact on the Company&#8217;s customers and demand for financial services, the actions governments,
      businesses and individuals take in response to the pandemic, the impact of the COVID-19 pandemic and actions taken in response to the pandemic on global and regional economies, national and local economic activity, and the pace of recovery when the
      COVID-19 pandemic subsides, among others. Moreover, investors are cautioned to interpret many of the risks identified under the section entitled &#8220;Risk Factors&#8221; in our Form 10-K for the year ended December 31, 2019 and in our Form 10-Q for the quarter
      ended September 30, 2020 as being heightened as a result of the ongoing and numerous adverse impacts of the COVID-19 pandemic. You should not place undue reliance on any forward-looking statements, which speak only as of the date made, and you are
      advised that various factors including, but not limited to, those described above and other factors discussed in the Company&#8217;s annual and quarterly reports previously filed with the SEC, could affect the Company&#8217;s financial performance and could
      cause the Company&#8217;s actual results or circumstances for future periods to differ materially from those anticipated or projected. Unless required by law, the Company does not undertake, and specifically disclaims any obligations to, publicly release
      any revisions that may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Non-GAAP Measures</div>
    <div><br>
    </div>
    <div style="text-align: justify; color: #000000;">This press release contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America (&#8220;GAAP&#8221;). Where non-GAAP
      disclosures are used in this press release, a reconciliation to the comparable GAAP measure is provided in the accompanying tables. Management believes that these non-GAAP measures provide useful information that is important to an understanding of
      the financial results of NBT&#8217;s core business as well as provide information standard in the financial institution industry. Non-GAAP measures should not be considered a substitute for financial measures determined in accordance with GAAP and
      investors should consider NBT&#8217;s performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of NBT.</div>
    <div style="text-align: justify; color: #000000;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
    </div>
    <div>
      <div>
        <div style="color: #000000;">
          <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z00314855a65448c49eb5f0a4946c42d8">

              <tr>
                <td valign="bottom" style="vertical-align: top;" rowspan="1">
                  <div style="color: #000000;">
                    <div style="color: #000000; font-weight: bold;">NBT Bancorp Inc. and Subsidiaries</div>
                  </div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1">
                  <div style="color: #000000;">
                    <div style="color: #000000; font-weight: bold;">Selected Financial Data</div>
                  </div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" rowspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;" rowspan="1">
                  <div style="color: #000000;">(unaudited, dollars in thousands except per share data)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2" rowspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="14" rowspan="1">
                  <div style="text-align: center; color: #000000; font-weight: bold;"> 2020</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;"> 2019</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;"> 4th Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">3rd Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">2nd Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">1st Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">4th Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;">
                  <div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Profitability:</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Diluted earnings per share</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.78</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.80</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.56</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.23</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.66</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Weighted average diluted common shares outstanding</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">43,973,971</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">43,941,953</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">43,928,344</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">44,130,324</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">44,174,201</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Return on average assets<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1.24</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1.29</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.94</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.43</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1.20</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Return on average equity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">11.59</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">12.09</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">8.76</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">3.69</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">10.36</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Return on average tangible common equity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1 3</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">15.71</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">16.51</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">12.14</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">5.24</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">14.28</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Net interest margin<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1 3</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3.20</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">3.17</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">3.38</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">3.52</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">3.52</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="7">
                  <div style="text-align: center; color: #000000; font-weight: bold;">12 Months ended December 31,</div>
                </td>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2" rowspan="1">
                  <div style="color: rgb(0, 0, 0); font-weight: bold; text-align: center;">2020</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); text-align: center;" colspan="1">&#160;</td>
                <td valign="bottom" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2" rowspan="1">
                  <div style="color: rgb(0, 0, 0); font-weight: bold;">2019</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Profitability:</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Diluted earnings per share</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">2.37</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">2.74</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Weighted average diluted common shares outstanding</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">43,988,623</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">44,123,698</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Return on average assets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.99</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1.26</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Return on average equity</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">9.09</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">11.32</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Return on average tangible common equity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">12.48</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">15.85</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Net interest margin<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3.31</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">3.58</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="14" rowspan="1">
                  <div style="color: rgb(0, 0, 0); font-weight: bold; text-align: center;">2020</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2" rowspan="1">
                  <div style="color: rgb(0, 0, 0); font-weight: bold; text-align: center;">2019</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;"> 4th Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">3rd Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">2nd Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">1st Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">4th Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Balance sheet data:</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Securities available for sale</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,348,698</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1,197,925</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1,108,443</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1,000,980</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">975,340</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Securities held to maturity</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">616,560</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">663,088</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">599,164</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">621,359</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">630,074</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Net loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">7,388,885</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">7,446,143</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">7,514,491</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">7,147,383</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">7,063,133</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Total assets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">10,932,906</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">10,850,212</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">10,847,184</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">9,953,543</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">9,715,925</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Total deposits</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">9,081,692</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">8,958,183</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">8,815,891</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">7,864,638</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">7,587,820</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Total borrowings</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">406,731</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">446,737</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">602,988</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">714,283</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">820,682</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Total liabilities</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">9,745,288</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">9,684,101</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">9,704,532</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">8,841,364</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">8,595,528</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Stockholders' equity</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,187,618</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">1,166,111</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">1,142,652</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">1,112,179</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">1,120,397</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Capital:</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Equity to assets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">10.86</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">10.75</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">10.53</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">11.17</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">11.53</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Tangible equity ratio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">8.41</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">8.27</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">8.04</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">8.55</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">8.84</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Book value per share</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">27.22</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">26.74</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">26.20</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">25.52</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">25.58</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Tangible book value per share<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">20.52</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">20.02</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">19.46</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">18.96</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">19.03</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Leverage ratio</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">9.56</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">9.48</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">9.44</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">10.02</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">10.33</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Common equity tier 1 capital ratio</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">11.84</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">11.63</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">11.34</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">10.90</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">11.29</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Tier 1 capital ratio</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">13.09</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">12.88</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">12.60</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">12.14</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">12.56</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Total risk-based capital ratio</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">15.62</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">15.43</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">15.15</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">13.36</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">13.52</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Common stock price (end of period)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">32.10</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">26.82</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">30.06</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">32.39</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">40.56</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>

          </table>
        </div>
        <div style="color: #000000;">
          <div style="color: #000000;"> <br>
          </div>
          <div style="color: #000000;">Note: Year-to-date EPS may not equal sum of quarters due to differences in outstanding shares.</div>
        </div>
        <div style="color: #000000;"> <br>
        </div>
      </div>
    </div>
    <div style="text-align: justify; color: #000000;">
      <div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
          <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z147a88192009472584ead4e995edd653">

              <tr>
                <td valign="bottom" style="vertical-align: top;">
                  <div style="color: #000000; font-weight: bold;">NBT Bancorp Inc. and Subsidiaries</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;">
                  <div style="color: #000000; font-weight: bold;">Selected Financial Data</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;" colspan="8">
                  <div style="color: #000000;">(unaudited, dollars in thousands except per share data)</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="14" rowspan="1">
                  <div style="text-align: center; color: #000000; font-weight: bold;"> 2020</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;"> 2019</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;"> 4th Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">3rd Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">2nd Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">1st Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">4th Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;">
                  <div style="color: #000000; font-style: italic; font-weight: bold;">Asset quality:</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Nonaccrual loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">44,647</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">35,896</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">25,567</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">29,972</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">25,174</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">90 days past due and still accruing</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,149</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">2,579</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">2,057</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">2,280</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">3,717</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Total nonperforming loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">47,796</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">38,475</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">27,624</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">32,252</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">28,891</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Other real estate owned</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,458</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,605</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,783</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">2,384</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,458</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Total nonperforming assets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">49,254</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">40,080</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">29,407</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">34,636</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">30,349</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Allowance for loan losses</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">110,000</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">114,500</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">113,500</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">100,000</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">72,965</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000; font-style: italic; font-weight: bold;">Asset quality ratios (total):</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Allowance for loan losses to total loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1.47</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1.51</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1.49</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1.38</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1.02</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Total nonperforming loans to total loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.64</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.51</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.36</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.45</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.40</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Total nonperforming assets to total assets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.45</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.37</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.27</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.35</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.31</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Allowance for loan losses to total nonperforming loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">230.14</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">297.60</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">410.87</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">310.06</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">252.55</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Past due loans to total loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.37</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.26</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.30</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.51</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.49</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Net charge-offs to average loans<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.21</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.12</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.28</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.32</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.30</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;" colspan="8">
                  <div style="color: #000000; font-style: italic; font-weight: bold;">Asset quality ratios (excluding paycheck protection program):</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Allowance for loan losses to total loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1.56</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1.62</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1.59</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1.38</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1.02</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Total nonperforming loans to total loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.68</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.55</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.39</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.45</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">0.40</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Total nonperforming assets to total assets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.47</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.39</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.28</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.35</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.31</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Allowance for loan losses to total nonperforming loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">230.10</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">297.53</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">410.78</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">310.06</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">252.55</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Past due loans to total loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.39</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.28</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.32</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.51</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.49</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: #000000;">Net charge-offs to average loans<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.22</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">0.13</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">0.30</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">0.32</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">0.30</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">%</div>
                </td>
              </tr>

          </table>
        </div>
        <div style="text-align: left; color: #000000;"> <br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
          <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">10</font></div>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z02ac9283bbc74350864508ef04012937">

              <tr>
                <td valign="bottom" style="vertical-align: top;">
                  <div style="color: #000000; font-weight: bold;">NBT Bancorp Inc. and Subsidiaries</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;">
                  <div style="color: #000000; font-weight: bold;">Consolidated Balance Sheets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;">
                  <div style="color: #000000;">(unaudited, dollars in thousands)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">December 31,</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">December 31,</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
                  <div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Assets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">2020</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">2019</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Cash and due from banks</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">159,995</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">170,595</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Short-term interest bearing accounts</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">512,686</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">46,248</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Equity securities, at fair value</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">30,737</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">27,771</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Securities available for sale, at fair value</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,348,698</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">975,340</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Securities held to maturity (fair value $636,827 and $641,262, respectively)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">616,560</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">630,074</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Federal Reserve and Federal Home Loan Bank stock</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">27,353</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">44,620</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Loans held for sale</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,119</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">11,731</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">7,498,885</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">7,136,098</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Less allowance for loan losses</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">110,000</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">72,965</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 18pt;">Net loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">7,388,885</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">7,063,133</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Premises and equipment, net</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">74,206</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">75,631</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Goodwill</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">280,541</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">274,769</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Intangible assets, net</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">11,735</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">12,020</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Bank owned life insurance</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">186,434</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">181,748</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Other assets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">293,957</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">202,245</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); font-weight: bold; text-indent: -9pt; margin-left: 18pt;">Total assets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">10,932,906</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">9,715,925</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Liabilities and stockholders' equity</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Demand (noninterest bearing)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,241,123</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">2,414,383</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Savings, NOW and money market</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">5,207,090</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">4,312,244</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Time</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">633,479</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">861,193</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 18pt;">Total deposits</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">9,081,692</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">7,587,820</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Short-term borrowings</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">168,386</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">655,275</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Long-term debt</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">39,097</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">64,211</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Subordinated debt, net</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">98,052</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">-</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Junior subordinated debt</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">101,196</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">101,196</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Other liabilities</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">256,865</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">187,026</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 18pt;">Total liabilities</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">9,745,288</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">8,595,528</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Total stockholders' equity</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,187,618</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">1,120,397</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 76%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); font-weight: bold; text-indent: -9pt; margin-left: 18pt;">Total liabilities and stockholders' equity</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">10,932,906</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">9,715,925</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>

          </table>
        </div>
        <div style="text-align: left; color: #000000;"> <br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
          <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">11</font></div>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z1e8ac1df60a44d838d3d2333d037ae46">

              <tr>
                <td valign="bottom" style="vertical-align: top;">
                  <div style="color: rgb(0, 0, 0); font-weight: bold; text-indent: -9pt; margin-left: 9pt;">NBT Bancorp Inc. and Subsidiaries</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Consolidated Statements of Income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">(unaudited, dollars in thousands except per share data)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="6">
                  <div style="text-align: center; color: #000000; font-weight: bold;">Three Months Ended</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="6">
                  <div style="text-align: center; color: #000000; font-weight: bold;">Twelve Months Ended</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="6">
                  <div style="text-align: center; color: #000000; font-weight: bold;">December 31,</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="6">
                  <div style="text-align: center; color: #000000; font-weight: bold;">December 31,</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;"> 2020</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">2019</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">2020</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">2019</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;">
                  <div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Interest, fee and dividend income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Interest and fees on loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">76,863</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">79,800</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">307,859</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">321,474</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Securities available for sale</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">5,478</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,639</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">22,434</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">23,303</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Securities held to maturity</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,532</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,213</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">15,283</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">19,105</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Other</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">568</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">924</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">2,706</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">3,652</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 18pt;">Total interest, fee and dividend income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">86,441</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">90,576</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">348,282</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">367,534</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Interest expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Deposits</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,887</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">10,181</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">22,070</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">39,986</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Short-term borrowings</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">193</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,707</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,408</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">9,693</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Long-term debt</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">369</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">484</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,553</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1,875</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Subordinated debt</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,339</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">-</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">2,842</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">-</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Junior subordinated debt</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">545</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">1,021</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">2,731</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">4,425</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 18pt;">Total interest expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">6,333</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">13,393</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">32,604</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">55,979</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Net interest income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">80,108</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">77,183</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">315,678</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">311,555</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Provision for loan losses</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">(607</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">6,004</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">51,134</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">25,412</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 18pt;">Net interest income after provision for loan losses</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">80,715</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">71,179</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">264,544</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">286,143</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Noninterest income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Service charges on deposit accounts</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,588</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,361</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">13,201</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">17,151</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">ATM and debit card fees</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">6,776</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,935</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">25,960</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">23,893</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Retirement plan administration fees</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">9,011</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">7,218</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">35,851</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">30,388</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Wealth management<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">7,456</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">7,085</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">29,247</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">28,400</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Insurance<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,454</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">3,479</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">14,757</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">15,770</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Bank owned life insurance income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,733</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,236</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">5,743</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,355</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Net securities gains (losses)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">160</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">189</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">(388</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,213</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Other</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">5,937</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">6,738</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">21,905</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">18,853</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 18pt;">Total noninterest income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">38,115</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">36,241</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">146,276</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">144,023</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Noninterest expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Salaries and employee benefits</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">41,016</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">39,592</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">161,934</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">156,867</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Occupancy</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">5,280</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,653</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">21,634</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">22,706</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Data processing and communications</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">4,157</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,719</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">16,527</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">18,318</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Professional fees and outside services</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">4,388</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">4,223</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">15,082</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">14,785</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Equipment</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">5,395</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,821</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">19,889</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">18,583</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Office supplies and postage</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,517</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,744</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">6,138</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">6,579</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">FDIC expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">739</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">-</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">2,688</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">1,946</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Advertising</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">827</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">952</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">2,288</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">2,773</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Amortization of intangible assets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">822</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">844</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,395</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">3,579</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Loan collection and other real estate owned, net</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">930</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,436</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,295</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">4,158</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Other</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">10,133</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">6,310</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">24,863</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">24,440</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 18pt;">Total noninterest expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">75,204</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">70,294</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">277,733</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">274,734</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Income before income tax expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">43,626</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">37,126</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">133,087</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">155,432</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Income tax expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">9,432</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">8,166</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">28,699</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">34,411</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); font-weight: bold; text-indent: -9pt; margin-left: 18pt;">Net income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">34,194</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">28,960</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">104,388</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">121,021</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Earnings Per Share</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Basic</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.78</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.66</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">2.39</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">2.76</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Diluted</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.78</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">0.66</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">2.37</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">2.74</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>

          </table>
        </div>
        <div style="text-align: left; color: #000000;"><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
          <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">12</font></div>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z5f0bcdd5d3604d8c8dabdca51fabee1a">

              <tr>
                <td valign="bottom" style="vertical-align: top;">
                  <div style="color: #000000; font-weight: bold;">NBT Bancorp Inc. and Subsidiaries</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;">
                  <div style="color: #000000; font-weight: bold;">Quarterly Consolidated Statements of Income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;" colspan="4">
                  <div style="color: #000000;">(unaudited, dollars in thousands except per share data)</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="14" rowspan="1">
                  <div style="text-align: center; color: #000000; font-weight: bold;"> 2020</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;"> 2019</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;"> 4th Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">3rd Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">2nd Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">1st Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                  <div style="text-align: center; color: #000000; font-weight: bold;">4th Q</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top;">
                  <div style="color: #000000; font-style: italic; font-weight: bold;">Interest, fee and dividend income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Interest and fees on loans</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">76,863</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">74,998</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">77,270</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">78,728</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">79,800</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Securities available for sale</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">5,478</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,603</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,600</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,753</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,639</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Securities held to maturity</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,532</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">3,734</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">3,926</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,091</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,213</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: #000000;">Other</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">568</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">659</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">650</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">829</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">924</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); margin-left: 9pt;">Total interest, fee and dividend income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">86,441</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">84,994</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">87,446</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">89,401</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">90,576</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000; font-style: italic; font-weight: bold;">Interest expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Deposits</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,887</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,267</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,812</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">9,104</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">10,181</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Short-term borrowings</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">193</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">446</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">972</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,797</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,707</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Long-term debt</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">369</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">398</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">393</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">393</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">484</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Subordinated debt</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,339</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,375</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">128</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">-</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">-</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: #000000;">Junior subordinated debt</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">545</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">565</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">695</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">926</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">1,021</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); margin-left: 9pt;">Total interest expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">6,333</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">7,051</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">7,000</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">12,220</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">13,393</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Net interest income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">80,108</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">77,943</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">80,446</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">77,181</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">77,183</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: #000000;">Provision for loan losses</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">(607</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">3,261</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">18,840</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">29,640</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">6,004</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); margin-left: 9pt;">Net interest income after provision for loan losses</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">80,715</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">74,682</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">61,606</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">47,541</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">71,179</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000; font-style: italic; font-weight: bold;">Noninterest income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Service charges on deposit accounts</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,588</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">3,087</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">2,529</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">3,997</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,361</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">ATM and debit card fees</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">6,776</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">7,194</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">6,136</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,854</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,935</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Retirement plan administration fees</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">9,011</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">9,685</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">9,214</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">7,941</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">7,218</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Wealth management<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">7,456</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">7,695</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">6,823</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">7,273</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">7,085</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Insurance<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup></div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">3,454</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">3,742</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">3,292</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,269</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">3,479</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Bank owned life insurance income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,733</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,255</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,381</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,374</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,236</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Net securities gains (losses)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">160</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">84</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">180</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">(812</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">)</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">189</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: #000000;">Other</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">5,937</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">4,985</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">5,456</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">5,527</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">6,738</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); margin-left: 9pt;">Total noninterest income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">38,115</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">37,727</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">35,011</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">35,423</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">36,241</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000; font-style: italic; font-weight: bold;">Noninterest expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Salaries and employee benefits</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">41,016</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">40,451</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">39,717</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">40,750</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">39,592</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Occupancy</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">5,280</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,294</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,065</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,995</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">5,653</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Data processing and communications</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">4,157</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,058</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,079</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,233</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,719</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Professional fees and outside services</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">4,388</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">3,394</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">3,403</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">3,897</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">4,223</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Equipment</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">5,395</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">5,073</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,779</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,642</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">4,821</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Office supplies and postage</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">1,517</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,530</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,455</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,636</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,744</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">FDIC expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">739</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">645</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">993</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">311</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">-</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Advertising</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">827</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">530</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">322</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">609</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">952</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Amortization of intangible assets</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">822</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">856</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">883</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">834</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">844</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000;">Loan collection and other real estate owned, net</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">930</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">620</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">728</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,017</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: #000000;">1,436</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: #000000;">Other</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">10,133</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">3,857</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">3,916</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">6,957</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">6,310</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); margin-left: 9pt;">Total noninterest expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">75,204</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">66,308</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">65,340</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">70,881</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">70,294</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Income before income tax expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">43,626</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">46,101</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">31,277</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">12,083</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">37,126</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: #000000;">Income tax expense</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">9,432</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">10,988</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">6,564</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">1,715</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">8,166</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: rgb(0, 0, 0); font-weight: bold; margin-left: 9pt;">Net income</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">34,194</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">35,113</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">24,713</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">10,368</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                  <div style="color: #000000;">28,960</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%;">
                  <div style="color: #000000; font-style: italic; font-weight: bold;">Earnings Per Share</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                  <div style="color: #000000;">Basic</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.78</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.80</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.57</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.24</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: #000000;">0.66</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
              </tr>
              <tr>
                <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="color: #000000;">Diluted</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000; font-weight: bold;">0.78</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">0.80</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">0.56</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">0.23</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">$</div>
                </td>
                <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: #000000;">0.66</div>
                </td>
                <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
              </tr>

          </table>
          <div>
            <div><br>
            </div>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
              <div style="page-break-after: always;" id="DSPFPageBreak">
                <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
              <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">13</font></div>
            </div>
            <div>
              <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z3e4b4c05c8774ec5a3397e8e0c4df7aa">

                  <tr>
                    <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;">
                      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">
                        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT Bancorp Inc. and Subsidiaries</div>
                      </div>
                      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Average Quarterly Balance Sheets</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top;">
                      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(unaudited, dollars in thousands)</div>
                    </td>
                  </tr>

              </table>
              <div><br>
              </div>
              <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z33b774f85b3f4b68a9da23b6314ce3b7">

                  <tr>
                    <td valign="bottom" style="vertical-align: top;">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Average Balance</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Yield /</div>
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Rates</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Average Balance</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Yield /<br>
                        Rates</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Average Balance</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Yield /</div>
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Rates</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Average Balance</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Yield /</div>
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Rates</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Average Balance</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Yield /</div>
                      <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Rates</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="5" rowspan="1">
                      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;">Q4 - 2020</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="5" rowspan="1">
                      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;">Q3 - 2020</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="5" rowspan="1">
                      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;">Q2 - 2020</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="5" rowspan="1">
                      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;">Q1 - 2020</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="5" rowspan="1">
                      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;">Q4 - 2019</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top;">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Assets</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" nowrap="nowrap" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Short-term interest bearing accounts</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">552,529</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.11</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">477,946</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.11</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">380,260</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.10</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">74,695</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.28</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">51,613</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.43</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%;" colspan="1">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Securities available for sale<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1 5</sup></div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,230,411</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.77</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,137,604</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.96</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">985,561</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.29</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">962,527</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.40</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">942,302</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.37</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Securities held to maturity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1 5</sup></div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">640,422</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2.36</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">621,812</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.56</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">613,899</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.75</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">622,398</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.81</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">651,305</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.73</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%;" colspan="1">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Investment in FRB and FHLB Banks</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">28,275</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">5.94</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">29,720</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">7.08</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">36,604</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">6.09</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">39,784</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">5.97</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">37,842</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">6.37</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Loans<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1 6</sup></div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">7,533,953</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">4.06</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">7,559,218</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.95</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">7,589,032</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">4.10</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">7,163,114</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">4.42</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">7,055,288</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">4.49</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%;" colspan="1">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 18pt;">Total interest earning assets</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">9,985,590</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3.46</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,826,300</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.45</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,605,356</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.68</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">8,862,518</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">4.07</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">8,738,350</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">4.13</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Other assets</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">954,123</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">967,194</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">961,807</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">885,570</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">861,909</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; border-bottom: 2px solid rgb(0, 0, 0);">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Total assets</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">10,939,713</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">10,793,494</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">10,567,163</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,748,088</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,600,259</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top;" colspan="4">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Liabilities and stockholders' equity</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Money market deposit accounts</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2,455,510</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.27</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,364,606</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.28</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,360,407</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.29</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,101,306</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.00</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,057,678</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.16</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%;">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">NOW deposit accounts</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,315,370</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.05</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,207,064</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.05</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,167,486</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.04</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,086,205</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.10</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,064,193</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.13</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Savings deposits</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,465,562</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.05</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,447,021</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.05</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,383,495</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.05</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,276,285</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.06</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,251,432</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.06</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; border-bottom: 2px solid rgb(0, 0, 0);">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Time deposits</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">645,288</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.15</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">684,708</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.31</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">760,803</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.48</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">842,989</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.62</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">853,353</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.69</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 18pt;">Total interest bearing deposits</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">5,881,730</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.26</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">5,703,399</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.30</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">5,672,191</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.34</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">5,306,785</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.69</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">5,226,656</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.77</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%;">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Short-term borrowings</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">175,597</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.44</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">277,890</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.64</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">427,004</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.92</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">533,516</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.35</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">475,332</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.42</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Long-term debt</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">59,488</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2.47</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">64,137</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.47</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">64,165</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.46</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">64,194</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.46</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">81,613</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.35</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%;">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Subordinated debt, net</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">97,984</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">5.44</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">97,934</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">5.59</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">8,633</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">5.96</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">%<br>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Junior subordinated debt</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">101,196</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2.14</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">101,196</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.22</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">101,196</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.76</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">101,196</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.68</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">101,196</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">4.00</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%;" colspan="1">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 18pt;">Total interest bearing liabilities</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">6,315,995</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.40</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">6,244,556</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.45</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">6,273,189</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.45</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">6,005,691</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.82</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">5,884,797</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.90</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Demand deposits</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3,178,410</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3,111,617</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,887,545</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,398,307</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,406,563</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%;">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Other liabilities</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">271,206</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">282,265</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">271,635</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">214,495</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">199,674</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Stockholders' equity</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,174,102</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,155,056</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,134,794</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,129,595</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,109,225</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Total liabilities and stockholders' equity</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">10,939,713</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">10,793,494</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">10,567,163</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,748,088</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,600,259</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 2px;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%;">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Interest rate spread</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3.06</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.00</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.23</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.25</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.23</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>
                  <tr>
                    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255);">
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Net interest margin (FTE)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3.20</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.17</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.38</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.52</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.52</div>
                    </td>
                    <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                      <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                    </td>
                  </tr>

              </table>
            </div>
            <div> <br>
            </div>
            <div>
              <div>
                <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
                  <div style="page-break-after: always;" id="DSPFPageBreak">
                    <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
                  <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">14</font></div>
                </div>
                <div>
                  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zdf3bbbea2e96447ab79810421996f753">

                      <tr>
                        <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">
                            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT Bancorp Inc. and Subsidiaries</div>
                          </div>
                          <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Average Year-to-Date Balance Sheets</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top;">
                          <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(unaudited, dollars in thousands)</div>
                        </td>
                      </tr>

                  </table>
                  <div><br>
                  </div>
                  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z7bb4c618a08849839cbc629b9599555e">

                      <tr>
                        <td valign="bottom" style="vertical-align: top;">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top;" colspan="2">
                          <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">
                            <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Average</div>
                            Balance</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td style="vertical-align: bottom; text-align: center;" colspan="2">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Interest</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top;" colspan="2">
                          <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">
                            <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Yield/</div>
                            Rates</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top;" colspan="2">
                          <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">
                            <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Average</div>
                            Balance</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td style="vertical-align: bottom; text-align: center;" colspan="2">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Interest</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top;" colspan="2">
                          <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">
                            <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Yield/</div>
                            Rates</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Twelve Months Ended December 31,</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="10" rowspan="1">
                          <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2020</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="10" rowspan="1">
                          <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 2019</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Assets</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top; font-size: 10pt;" colspan="2">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top; font-size: 10pt;" colspan="2">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top; font-size: 10pt;" colspan="2">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top; font-size: 10pt;" colspan="2">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top; font-size: 10pt;" colspan="2">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: top; font-size: 10pt;" colspan="2">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Short-term interest bearing accounts</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">372,144</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">610</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.16</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">36,174</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">773</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">2.14</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Securities available for sale<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1 5</sup></div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,079,600</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">22,434</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2.08</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">961,909</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">23,334</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">2.43</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Securities held to maturity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1 5</sup></div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">624,668</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">16,363</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2.62</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">725,352</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">20,410</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">2.81</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Investment in FRB and FHLB Banks</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">33,570</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2,096</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">6.24</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">43,385</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">2,879</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">6.64</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Loans<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1 6</sup></div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">7,461,795</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">308,080</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">4.13</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">6,972,438</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">321,805</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">4.62</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 18pt;">Total interest earning assets</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">9,571,777</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">349,583</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3.65</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">8,739,258</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">369,201</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">4.22</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Other assets</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">942,274</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">831,954</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; border-bottom: 2px solid rgb(0, 0, 0);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Total assets</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">10,514,051</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">9,571,212</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-style: italic; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Liabilities and stockholders' equity</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Money market deposit accounts</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2,320,947</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">10,313</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.44</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">1,949,147</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">22,257</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">1.14</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">NOW deposit accounts</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,194,398</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">716</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.06</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">1,095,402</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">1,518</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">0.14</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Savings deposits</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,393,436</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">745</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.05</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">1,265,112</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">733</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">0.06</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; border-bottom: 2px solid rgb(0, 0, 0);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Time deposits</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">733,073</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">10,296</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.40</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">910,546</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">15,478</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">1.70</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 18pt;">Total interest bearing deposits</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">5,641,854</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">22,070</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.39</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">5,220,207</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">39,986</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">0.77</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Short-term borrowings</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">352,809</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3,408</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.97</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">573,927</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">9,693</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">1.69</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Long-term debt</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">62,990</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,553</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2.47</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">80,528</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">1,875</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">2.33</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Subordinated debt, net</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">51,394</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2,842</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">5.53</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Junior subordinated debt</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">101,196</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2,731</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2.70</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">101,196</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">4,425</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">4.37</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Total interest bearing liabilities</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">6,210,243</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">32,604</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.53</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">5,975,858</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">55,979</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">0.94</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Demand deposits</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2,895,341</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">2,351,515</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Other liabilities</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">259,992</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">174,891</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Stockholders' equity</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,148,475</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">1,068,948</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; border-bottom: 2px solid rgb(0, 0, 0);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Total liabilities and stockholders' equity</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">10,514,051</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">9,571,212</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Net interest income (FTE)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">316,979</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">313,222</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Interest rate spread</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3.12</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">3.28</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Net interest margin (FTE)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3.31</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">3.58</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                        </td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 2px;">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Taxable equivalent adjustment</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,301</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">1,667</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>
                      <tr>
                        <td valign="bottom" style="vertical-align: top; width: 28%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
                          <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Net interest income</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">315,678</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                        </td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
                          <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">311,555</div>
                        </td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
                      </tr>

                  </table>
                </div>
                <div><br>
                  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
                    <div style="page-break-after: always;" id="DSPFPageBreak">
                      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
                    <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">15</font></div>
                  </div>
                  <div> </div>
                  <div>
                    <div>
                      <div>
                        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z693c1bd3a5bf4ae88fdaa3830272a41d">

                            <tr>
                              <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">
                                  <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT Bancorp Inc. and Subsidiaries</div>
                                  Consolidated Loan Balances</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(unaudited, dollars in thousands)</div>
                              </td>
                            </tr>

                        </table>
                        <div><br>
                        </div>
                        <div>
                          <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The following table presents loans by line of business, paycheck protection program loans includes $6.9 million, $11.3 million and
                            $14.6 million in unamortized fees as of December 31, 2020 September 30, 2020 and June 30, 2020 respectively.</div>
                        </div>
                        <div><br>
                        </div>
                        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z474ada5a52fd4e0d8ac5b966eb76d7ec">

                            <tr>
                              <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 40%;">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="14" rowspan="1">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 2020</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 2019</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 40%;">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 4th Q</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3rd Q</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2nd Q</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1st Q</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">4th Q</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Commercial</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,267,679</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,297,408</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,318,806</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,338,609</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,302,209</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Commercial real estate</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2,380,358</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,281,843</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,256,580</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,242,139</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,142,057</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Paycheck protection program</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">430,810</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">514,558</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">510,097</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Residential real estate mortgages</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,466,662</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,448,530</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,460,058</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,446,676</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,445,156</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Indirect auto</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">931,286</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">989,369</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,091,889</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,184,888</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,193,635</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Specialty lending</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">579,644</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">566,973</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">515,618</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">539,378</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">542,063</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Home equity</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">387,974</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">404,346</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">415,528</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">431,536</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">444,082</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Other consumer</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">54,472</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">57,616</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">59,415</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">64,157</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">66,896</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;Total loans</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">7,498,885</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">7,560,643</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">7,627,991</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">7,247,383</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">7,136,098</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0); width: 1%;" colspan="1">&#160;</td>
                            </tr>

                        </table>
                        <div><br>
                        </div>
                        <div>
                          <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The following table provide loans as a percentage of total loans in industries vulnerable to the COVID-19 pandemic as of December 31,
                            2020:</div>
                        </div>
                        <div><br>
                        </div>
                        <table cellspacing="0" cellpadding="0" border="0" style="width: 52%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;" id="zde0f5144fb4c43a4acc125504211d99a">

                            <tr>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); width: 40%; border-top: 2px solid rgb(0, 0, 0);">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Industry</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); width: 1%; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="3">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">% of Total</div>
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Loans</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Accommodations</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.5</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Healthcare services and practices</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2.2</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Restaurants and entertainment</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.8</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Retailers</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.7</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Automotive</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.3</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); width: 40%;">
                                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; margin-left: 9pt;">Total</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9.5</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>

                        </table>
                        <div><br>
                        </div>
                        <div>
                          <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Allowance for Loan Losses as a Percentage of Loans by Segment<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">7</sup>:</div>
                        </div>
                        <div><br>
                        </div>
                        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="za91f5604346e4f05873c0655e7f2923d">

                            <tr>
                              <td style="border-bottom: medium none #000000; border-left: 2px solid #000000; border-right: 2px solid #000000; border-top: 2px solid #000000; vertical-align: top; text-align: center;">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: top;" colspan="2">
                                <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Incurred</div>
                              </td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; white-space: nowrap; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: medium none #000000; border-left: 2px solid #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: top;" colspan="2">
                                <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CECL</div>
                              </td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; white-space: nowrap; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; white-space: nowrap; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; white-space: nowrap; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; white-space: nowrap; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: bottom; text-align: center;" colspan="1">&#160;</td>
                              <td style="border-bottom: #000000; border-top: 2px solid #000000; vertical-align: top; text-align: center;" colspan="2">&#160;</td>
                              <td style="border-bottom: medium none #000000; border-right: 2px solid #000000; border-top: 2px solid #000000; vertical-align: bottom; white-space: nowrap; text-align: left;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); text-align: center;">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 12/31/2019</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: center; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); text-align: center; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1/1/2020</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: center; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3/31/2020</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: center; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">6/30/2020*</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: center; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">9/30/2020*</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: center; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12/31/2020*</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 28%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Commercial &amp; industrial</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.96</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.98</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.43</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.25</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.34</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.47</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 28%; background-color: #CCEEFF;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Commercial real estate</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.02</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.74</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.10</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.56</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.57</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.43</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 28%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Paycheck protection program</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.00</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.00</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.00</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.01</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.01</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.01</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 28%; background-color: #CCEEFF;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Residential real estate</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.27</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.83</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.99</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.13</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.21</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.07</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 28%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Auto</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.83</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.78</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.08</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.99</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.92</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.93</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Other consumer</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.74</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.66</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">4.00</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">5.01</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">4.66</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">4.55</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 28%; border-bottom: 4px double rgb(0, 0, 0);">
                                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Total</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.02</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.07</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.38</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.49</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.51</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.47</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                              </td>
                            </tr>

                        </table>
                        <div><br>
                        </div>
                      </div>
                      <div>
                        <div>
                          <div>
                            <div>
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">* Excluding PPP loans and related allowance, total allowance to loans was 1.59%, 1.62% and 1.56% as of June 30, 2020, September
                                30, 2020 and December 31, 2020 respectively.</div>
                              <div><br>
                              </div>
                            </div>
                          </div>
                        </div>
                      </div>
                    </div>
                    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
                      <div style="page-break-after: always;" id="DSPFPageBreak">
                        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
                      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">16</font></div>
                    </div>
                    <div>
                      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">
                        <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> The following tables provide the Non-GAAP
                          reconciliations for the Non-GAAP measures contained in this release:</div>
                      </div>
                    </div>
                    <div><br>
                    </div>
                    <div>
                      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z83b6d08435534e17993cd76545d98617">

                          <tr>
                            <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Non-GAAP measures</div>
                            </td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(unaudited, dollars in thousands)</div>
                            </td>
                          </tr>

                      </table>
                      <div><br>
                      </div>
                      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z3cdd3f45e7ea456b90e626c9799b6ab3">

                          <tr>
                            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Pre-provision net revenue ("PPNR")</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" rowspan="1" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="14">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2020</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 2019</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 4th Q</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3rd Q</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2nd Q</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1st Q</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">4th Q</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Income before income tax expense</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">43,626</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">46,101</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">31,277</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">12,083</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">37,126</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">FTE adjustment</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">318</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">325</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">329</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">329</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">349</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Provision for loan losses</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(607</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">)</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3,261</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">18,840</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">29,640</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">6,004</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Net securities (gains) losses</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(160</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">)</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(84</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">)</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(180</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">)</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">812</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(189</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">)</div>
                            </td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Nonrecurring expense</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">4,100</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">650</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Unfunded loan commitments reserve</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">900</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(200</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">)</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,000</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">PPNR</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">48,177</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">49,603</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">50,716</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">44,864</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">43,290</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%;">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Average Assets</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">10,939,713</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">10,793,494</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">10,567,163</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,748,088</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,600,259</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%;">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Return on Average Assets<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.24</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.29</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.94</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">0.43</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.20</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">PPNR Return on Average Assets<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.75</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.83</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.93</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.85</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.79</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                          </tr>

                      </table>
                    </div>
                    <div><br>
                    </div>
                    <div>
                      <table cellspacing="0" cellpadding="0" border="0" style="width: 64%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;" id="z44f88d3153d24e129719bbf562069dbb">

                          <tr>
                            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 40%;">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="6">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12 Months ended December 31,</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 40%;">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 2020</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2019</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Income before income tax expense</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">133,087</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">155,432</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">FTE adjustment</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,301</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,667</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Provision for loan losses</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">51,134</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">25,412</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Net securities (gains) losses</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">388</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(4,213</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">)</div>
                            </td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Nonrecurring expense</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">4,750</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3,800</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Unfunded loan commitments reserve</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2,700</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">-</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">PPNR</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">193,360</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">182,098</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%;">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Average Assets</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">10,514,051</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,571,212</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%;">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Return on Average Assets</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">0.99</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.26</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">PPNR Return on Average Assets</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1.84</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1.90</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                          </tr>

                      </table>
                    </div>
                    <div><br>
                      <div>
                        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">PPNR is a Non-GAAP financial measure that management believes is useful in evaluating the underlying operating results of the Company
                          excluding the volatility in loan loss provision due to CECL adoption and the impact of the COVID-19 pandemic, net securities gains (losses) and non-recurring income and/or expense.</div>
                      </div>
                      <div><br>
                      </div>
                      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z1845eecd8fe7471891952e46327f7107">

                          <tr>
                            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">FTE Adjustment</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="14" rowspan="1">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2020</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 2019</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 4th Q</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3rd Q</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2nd Q</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1st Q</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                              <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">4th Q</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Net interest income</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">80,108</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">77,943</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">80,446</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">77,181</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">77,183</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Add: FTE adjustment</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">318</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">325</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">329</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">329</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">349</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Net interest income (FTE)</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">80,426</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">78,268</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">80,775</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">77,510</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">77,532</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Average earning assets</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">9,985,590</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,826,300</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,605,356</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">8,862,518</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">8,738,350</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          </tr>
                          <tr>
                            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
                              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Net interest margin (FTE)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3.20</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.17</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.38</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.52</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.52</div>
                            </td>
                            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                              <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                            </td>
                          </tr>

                      </table>
                    </div>
                    <div><br>
                      <div>
                        <table cellspacing="0" cellpadding="0" border="0" style="width: 64%; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-align: left;" id="zf5da55c4eb00418c9d83003894f93680">

                            <tr>
                              <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 40%;">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="6">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12 Months ended December 31,</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 40%;">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 2020</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                                <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2019</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Net interest income</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">315,678</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">311,555</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Add: FTE adjustment</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,301</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,667</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Net interest income (FTE)</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">316,979</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">313,222</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 40%;">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Average earning assets</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">9,571,777</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">8,739,258</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                            </tr>
                            <tr>
                              <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Net interest margin (FTE)</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3.31</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                              </td>
                              <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                              <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">3.58</div>
                              </td>
                              <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                                <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                              </td>
                            </tr>

                        </table>
                      </div>
                      <div><br>
                      </div>
                      <div>
                        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Interest income for tax-exempt securities and loans have been adjusted to a FTE basis using the statutory Federal income tax rate of
                          21%.</div>
                      </div>
                      <div><br>
                      </div>
                    </div>
                    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
                      <div style="page-break-after: always;" id="DSPFPageBreak">
                        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
                      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">17</font></div>
                    </div>
                    <div>
                      <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> The following tables provide the Non-GAAP
                        reconciliations for the Non-GAAP measures contained in this release:</div>
                    </div>
                    <div>
                      <div> <br>
                      </div>
                    </div>
                  </div>
                  <div>
                    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z765a936f51744645ad714128f4afa6b1">

                        <tr>
                          <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;">
                            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Non-GAAP measures</div>
                          </td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top;">
                            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(unaudited, dollars in thousands)</div>
                          </td>
                        </tr>

                    </table>
                    <div><br>
                    </div>
                    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zab238034ddd545fd8f1ba800a9c3863b">

                        <tr>
                          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Tangible equity to tangible assets</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="14" rowspan="1">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2020</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 2019</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 4th Q</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3rd Q</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2nd Q</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1st Q</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">4th Q</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Total equity</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,187,618</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,166,111</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,142,652</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,112,179</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,120,397</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%;">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Intangible assets</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">292,276</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">293,098</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">293,954</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">285,955</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">286,789</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Total assets</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">10,932,906</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">10,850,212</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">10,847,184</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,953,543</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">9,715,925</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%;">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Tangible equity to tangible assets</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">8.41</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">8.27</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">8.04</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">8.55</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">8.84</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                          </td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px;">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Return on average tangible common equity</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="13" rowspan="1">
                            <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;">2020</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;">2019</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px; text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><br>
                            </div>
                          </td>
                          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 4th Q</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3rd Q</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2nd Q</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1st Q</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><br>
                            </div>
                          </td>
                          <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">4th Q</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%;">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Net income</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">34,194</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">35,113</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">24,713</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">10,368</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">28,960</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Amortization of intangible assets (net of tax)</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">617</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">642</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">662</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">626</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">633</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px;">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Net income, excluding intangibles amortization</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">34,811</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">35,755</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">25,375</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">10,994</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">29,593</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt;">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%;">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Average stockholders' equity</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,174,102</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,155,056</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,134,794</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,129,595</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,109,225</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Less: average goodwill and other intangibles</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">292,725</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">293,572</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">294,423</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">286,400</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">287,268</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px;">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Average tangible common equity</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">881,377</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">861,484</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">840,371</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">843,195</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">821,957</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                            <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-indent: -9pt; margin-left: 9pt;">Return on average tangible common equity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">15.71</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">16.51</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">12.14</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">5.24</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">14.28</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">%</div>
                          </td>
                        </tr>

                    </table>
                  </div>
                  <div><br>
                  </div>
                  <div>
                    <table cellspacing="0" cellpadding="0" border="0" style="width: 64%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;" id="z4a8aa06d7bf8493289cff51a93ead8c6">

                        <tr>
                          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 40%;">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="6">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12 Months ended December 31,</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 40%;">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> 2020</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
                            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2019</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Net income</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">104,388</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">121,021</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px;">
                            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Amortization of intangible assets (net of tax)</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">2,546</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">2,684</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Net income, excluding intangibles amortization</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">106,934</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">123,705</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%;">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255);">
                            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Average stockholders' equity</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">1,148,475</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">1,068,948</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px;">
                            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Less: average goodwill and other intangibles</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">291,787</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">288,539</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Average tangible common equity</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">856,688</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">$</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">780,409</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                        </tr>
                        <tr>
                          <td valign="bottom" style="vertical-align: top; width: 40%;">
                            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Return on average tangible common equity</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12.48</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">%</div>
                          </td>
                          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
                          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                            <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: normal;">15.85</div>
                          </td>
                          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                            <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: normal;">%</div>
                          </td>
                        </tr>

                    </table>
                  </div>
                  <div><br>
                  </div>
                  <div>
                    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> Non-GAAP measure - Stockholders' equity less goodwill and
                      intangible assets divided by common shares outstanding.</div>
                    <div>
                      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup> Annualized.</div>
                    </div>
                    <div>
                      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup> Other financial services revenue previously disclosed
                        and included with Insurance income has been reclassified and combined with Trust income and is disclosed as Wealth management income.</div>
                    </div>
                    <div>
                      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">5</sup> Securities are shown at average amortized cost.</div>
                    </div>
                    <div>
                      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">6</sup> For purposes of these computations, nonaccrual loans
                        and loans held for sale are included in the average loan balances outstanding.</div>
                      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">
                        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">7</sup> The allowance for loan losses for December 31, 2019
                          was calculated based on the incurred losses methodology and beginning January 1, 2020, it was based on the CECL methodology. The risk-based pooling of loans (segments) for incurred and CECL are not consistent. For illustrative
                          purposes only, the loans and related incurred allowance at December 31, 2019 were grouped to conform with the CECL methodology.</div>
                      </div>
                    </div>
                    <div><br>
                    </div>
                    <div><br>
                    </div>
                    <div>
                      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
                  </div>
                </div>
              </div>
            </div>
          </div>
        </div>
      </div>
    </div>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>nbtb-20210127.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by EDGARfilings PROfile 7.0.0.0 Broadridge-->
<xs:schema targetNamespace="http://nbtbank.com/20210127" elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:nbtb="http://nbtbank.com/20210127" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:us-types="http://fasb.org/us-types/2019-01-31" xmlns:srt-types="http://fasb.org/srt-types/2019-01-31" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="nbtb-20210127_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="nbtb-20210127_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:roleType roleURI="http://nbtbank.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
        <link:definition>000100 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://fasb.org/us-gaap/2019-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/dei/2019-01-31" schemaLocation="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/country/2017-01-31" schemaLocation="https://xbrl.sec.gov/country/2017/country-2017-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/currency/2019-01-31" schemaLocation="https://xbrl.sec.gov/currency/2019/currency-2019-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/exch/2019-01-31" schemaLocation="https://xbrl.sec.gov/exch/2019/exch-2019-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/naics/2017-01-31" schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/sic/2011-01-31" schemaLocation="https://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/stpr/2018-01-31" schemaLocation="https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd" />
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xs:import namespace="http://www.xbrl.org/2004/ref" schemaLocation="http://www.xbrl.org/2004/ref-2004-08-10.xsd" />
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xs:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <xs:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <xs:import namespace="http://fasb.org/us-types/2019-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2019/elts/us-types-2019-01-31.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <xs:import namespace="http://fasb.org/srt/2019-01-31" schemaLocation="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd" />
  <xs:import namespace="http://fasb.org/srt-types/2019-01-31" schemaLocation="http://xbrl.fasb.org/srt/2019/elts/srt-types-2019-01-31.xsd" />
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>nbtb-20210127_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by EDGARfilings PROfile 7.0.0.0 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <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/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:label="CoverAbstract" xlink:title="CoverAbstract" />
    <link:label xlink:type="resource" xlink:label="dei_CoverAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CoverAbstract_lbl" xml:lang="en-US" id="dei_CoverAbstract_lbl">Cover [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:title="label: CoverAbstract to dei_CoverAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine1_lbl">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine2_lbl">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine3_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine3_lbl">Entity Address, Address Line Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:title="label: EntityAddressAddressLine3 to dei_EntityAddressAddressLine3_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag_lbl" xml:lang="en-US" id="dei_AmendmentFlag_lbl">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:title="label: AmendmentFlag to dei_AmendmentFlag_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode_lbl" xml:lang="en-US" id="dei_CityAreaCode_lbl">City Area Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:title="label: CityAreaCode to dei_CityAreaCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US" id="dei_EntityAddressCityOrTown_lbl">Entity Address, City or Town</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:title="label: EntityAddressCityOrTown to dei_EntityAddressCityOrTown_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCountry_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCountry_lbl" xml:lang="en-US" id="dei_EntityAddressCountry_lbl">Entity Address, Country</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:title="label: EntityAddressCountry to dei_EntityAddressCountry_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US" id="dei_DocumentPeriodEndDate_lbl">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode_lbl">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber_lbl" xml:lang="en-US" id="dei_LocalPhoneNumber_lbl">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:title="label: LocalPhoneNumber to dei_LocalPhoneNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US" id="dei_EntityAddressPostalZipCode_lbl">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:title="label: EntityAddressPostalZipCode to dei_EntityAddressPostalZipCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US" id="dei_EntityAddressStateOrProvince_lbl">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:title="label: EntityAddressStateOrProvince to dei_EntityAddressStateOrProvince_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:label xlink:type="resource" xlink:label="dei_Security12bTitle_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_Security12bTitle_lbl" xml:lang="en-US" id="dei_Security12bTitle_lbl">Title of 12(b) Security</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:title="label: Security12bTitle to dei_Security12bTitle_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:label xlink:type="resource" xlink:label="dei_NoTradingSymbolFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US" id="dei_NoTradingSymbolFlag_lbl">No Trading Symbol Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:title="label: NoTradingSymbolFlag to dei_NoTradingSymbolFlag_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol_lbl" xml:lang="en-US" id="dei_TradingSymbol_lbl">Trading Symbol</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:title="label: TradingSymbol to dei_TradingSymbol_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:label xlink:type="resource" xlink:label="dei_SecurityExchangeName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SecurityExchangeName_lbl" xml:lang="en-US" id="dei_SecurityExchangeName_lbl">Security Exchange Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:title="label: SecurityExchangeName to dei_SecurityExchangeName_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName_lbl" xml:lang="en-US" id="dei_EntityRegistrantName_lbl">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey_lbl" xml:lang="en-US" id="dei_EntityCentralIndexKey_lbl">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US" id="dei_EntityTaxIdentificationNumber_lbl">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:title="label: EntityTaxIdentificationNumber to dei_EntityTaxIdentificationNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalYearFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalYearFocus_lbl">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:title="label: DocumentFiscalYearFocus to dei_DocumentFiscalYearFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus_lbl">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentType_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentType_lbl" xml:lang="en-US" id="dei_DocumentType_lbl">Document Type</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentType" xlink:to="dei_DocumentType_lbl" xlink:title="label: DocumentType to dei_DocumentType_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:label xlink:type="resource" xlink:label="dei_WrittenCommunications_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_WrittenCommunications_lbl" xml:lang="en-US" id="dei_WrittenCommunications_lbl">Written Communications</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:title="label: WrittenCommunications to dei_WrittenCommunications_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:label xlink:type="resource" xlink:label="dei_SolicitingMaterial_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SolicitingMaterial_lbl" xml:lang="en-US" id="dei_SolicitingMaterial_lbl">Soliciting Material</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:title="label: SolicitingMaterial to dei_SolicitingMaterial_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US" id="dei_PreCommencementTenderOffer_lbl">Pre-commencement Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:title="label: PreCommencementTenderOffer to dei_PreCommencementTenderOffer_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US" id="dei_PreCommencementIssuerTenderOffer_lbl">Pre-commencement Issuer Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:title="label: PreCommencementIssuerTenderOffer to dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFileNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFileNumber_lbl" xml:lang="en-US" id="dei_EntityFileNumber_lbl">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:title="label: EntityFileNumber to dei_EntityFileNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany_lbl">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany_lbl" />
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>nbtb-20210127_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by EDGARfilings PROfile 7.0.0.0 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <link:roleRef roleURI="http://nbtbank.com/role/DocumentAndEntityInformation" xlink:type="simple" xlink:href="nbtb-20210127.xsd#DocumentAndEntityInformation" />
  <link:presentationLink xlink:type="extended" xlink:role="http://nbtbank.com/role/DocumentAndEntityInformation">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:label="CoverAbstract" xlink:title="CoverAbstract" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentType" xlink:title="presentation: CoverAbstract to DocumentType" order="0.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="AmendmentFlag" xlink:title="presentation: CoverAbstract to AmendmentFlag" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentPeriodEndDate" xlink:title="presentation: CoverAbstract to DocumentPeriodEndDate" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityRegistrantName" xlink:title="presentation: CoverAbstract to EntityRegistrantName" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityIncorporationStateCountryCode" xlink:title="presentation: CoverAbstract to EntityIncorporationStateCountryCode" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityFileNumber" xlink:title="presentation: CoverAbstract to EntityFileNumber" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityTaxIdentificationNumber" xlink:title="presentation: CoverAbstract to EntityTaxIdentificationNumber" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine1" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine1" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine2" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine2" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine3" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine3" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressCityOrTown" xlink:title="presentation: CoverAbstract to EntityAddressCityOrTown" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressStateOrProvince" xlink:title="presentation: CoverAbstract to EntityAddressStateOrProvince" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressCountry" xlink:title="presentation: CoverAbstract to EntityAddressCountry" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressPostalZipCode" xlink:title="presentation: CoverAbstract to EntityAddressPostalZipCode" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="CityAreaCode" xlink:title="presentation: CoverAbstract to CityAreaCode" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="LocalPhoneNumber" xlink:title="presentation: CoverAbstract to LocalPhoneNumber" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="WrittenCommunications" xlink:title="presentation: CoverAbstract to WrittenCommunications" order="16.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SolicitingMaterial" xlink:title="presentation: CoverAbstract to SolicitingMaterial" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementTenderOffer" order="18.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementIssuerTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementIssuerTenderOffer" order="19.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="NoTradingSymbolFlag" xlink:title="presentation: CoverAbstract to NoTradingSymbolFlag" order="20.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityEmergingGrowthCompany" xlink:title="presentation: CoverAbstract to EntityEmergingGrowthCompany" order="21.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentFiscalYearFocus" xlink:title="presentation: CoverAbstract to DocumentFiscalYearFocus" order="22.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentFiscalPeriodFocus" xlink:title="presentation: CoverAbstract to DocumentFiscalPeriodFocus" order="23.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityCentralIndexKey" xlink:title="presentation: CoverAbstract to EntityCentralIndexKey" order="24.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="Security12bTitle" xlink:title="presentation: CoverAbstract to Security12bTitle" order="25.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="TradingSymbol" xlink:title="presentation: CoverAbstract to TradingSymbol" order="26.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SecurityExchangeName" xlink:title="presentation: CoverAbstract to SecurityExchangeName" order="27.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>6
<FILENAME>brhc10019339_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/2019-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="nbtb-20210127.xsd" xlink:type="simple"/>
    <context id="c20210127to20210127">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000790359</identifier>
        </entity>
        <period>
            <startDate>2021-01-27</startDate>
            <endDate>2021-01-27</endDate>
        </period>
    </context>
    <dei:AmendmentFlag
      contextRef="c20210127to20210127"
      id="Fact_ce2cd36e208e4113bf6d96a1cafef427">false</dei:AmendmentFlag>
    <dei:EntityRegistrantName
      contextRef="c20210127to20210127"
      id="Fact_de55d7ee90474685890118b02da0890b">NBT BANCORP INC</dei:EntityRegistrantName>
    <dei:EntityFileNumber
      contextRef="c20210127to20210127"
      id="Fact_fc51c0b198f34a86a115368c846728af">000-14703</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber
      contextRef="c20210127to20210127"
      id="Fact_c6f3a02edf134b3f83a513f400595cc0">16-1268674</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressPostalZipCode
      contextRef="c20210127to20210127"
      id="Fact_8f8e706c59bc4e06862c2ebe3fedb066">13815</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="c20210127to20210127"
      id="Fact_387f2845c6ef47019d00e80ac35a9db3">607</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="c20210127to20210127"
      id="Fact_62fe702debf346b5bf81509209c76279">337-2265</dei:LocalPhoneNumber>
    <dei:WrittenCommunications
      contextRef="c20210127to20210127"
      id="Fact_bb196dd738894cc79d9b12560b3fe3ad">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="c20210127to20210127"
      id="Fact_7e72cb96ff1b498eb456057eccb78d2a">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="c20210127to20210127"
      id="Fact_56c898e3905a45e986958a7068ed3905">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="c20210127to20210127"
      id="Fact_eb358a5b546043149d301b485094d090">false</dei:PreCommencementIssuerTenderOffer>
    <dei:EntityEmergingGrowthCompany
      contextRef="c20210127to20210127"
      id="Fact_eb9d63036b224e7dbb6485f73b42eb0d">false</dei:EntityEmergingGrowthCompany>
    <dei:EntityCentralIndexKey
      contextRef="c20210127to20210127"
      id="Fact_72b8a33cf2b54d0a9746643b39669a11">0000790359</dei:EntityCentralIndexKey>
    <dei:Security12bTitle
      contextRef="c20210127to20210127"
      id="Fact_8735b1be22ef44bb93b98f9440da073e">Common Stock, par value $0.01 per share</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="c20210127to20210127"
      id="Fact_d5f31a1d46b5449f849a3d9e3b4ecc56">NBTB</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="c20210127to20210127"
      id="Fact_cf27c3e362e34d69b9bf13b2aa17ca86">NASDAQ</dei:SecurityExchangeName>
    <dei:DocumentType
      contextRef="c20210127to20210127"
      id="Fact_4b926303f4be4dcaa0883718ad512c9f">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate
      contextRef="c20210127to20210127"
      id="Fact_af6c532613b745378bbaa94bf39677b5">2021-01-27</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode
      contextRef="c20210127to20210127"
      id="Fact_70e7457f903d4f6d95ae3939c54fecda">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityAddressAddressLine1
      contextRef="c20210127to20210127"
      id="Fact_55f178a087cc4b0086bd0abc06a110a1">52 South Broad Street</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown
      contextRef="c20210127to20210127"
      id="Fact_e7356aa760114893977501babd4b1f72">Norwich</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince
      contextRef="c20210127to20210127"
      id="Fact_a80d6435b52e4a54977381ba5f13ce03">NY</dei:EntityAddressStateOrProvince>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="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;">v3.20.4</span><table class="report" border="0" cellspacing="2" id="idm140578847311288">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Jan. 27, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.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="top.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="top.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="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jan. 27,  2021<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">NBT BANCORP INC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.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="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-14703<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">16-1268674<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">52 South Broad Street<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Norwich<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">13815<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">607<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">337-2265<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</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="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</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="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement 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="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer 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="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</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="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000790359<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, par value $0.01 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NBTB<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.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="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.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="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.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="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.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="top.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="top.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>EXCEL
<SEQUENCE>8
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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MI6J//X7W*+F?&^[_$L4/4$L#!!0    ( ,V#.U*7BKL<P    !,"   +
M7W)E;',O+G)E;'.=DKENPS ,0'_%T)XP!] AB#-E\18$^0%6H@_8$@6*19V_
MK]JE<9 +&7D]/!+<'FE [3BDMHNI&/T04FE:U;@!2+8ECVG.D4*NU"P>-8?2
M0$3;8T.P6BP^0"X99K>]9!:G<Z17B%S7G:4]VR]/06^ KSI,<4)I2$LS#O#-
MTG\R]_,,-47E2B.56QIXT^7^=N!)T:$B6!::1<G3HAVE?QW']I#3Z:]C(K1Z
M6^CY<6A4"H[<8R6,<6*T_C6"R0_L?@!02P,$%     @ S8,[4APX9>H_ 0
M/ (   \   !X;"]W;W)K8F]O:RYX;6R-4<MNPD ,_)75?D 34(M41+B4/I"J
M%I6*^Y)UB,4^(J\#+5]?)U%4I%YZ\GILC6=F%^=(QWV,1_7E74B%KIF;>9:E
ML@9OTDUL(,BDBN0-2TN'+#4$QJ8:@+W+IGD^R[S!H)>+D6M#V743&4K&& 3L
M@!W".?W.NU:=,.$>'?)WH?NW ZT\!O1X 5OH7*M4Q_-+)+S$P,9M2XK.%7HR
M#'9 C.4?>-N)_#3[U"-L]A]&A!1ZE@MAA92XW^CYC6@\@2P/7<OQ"1T#K0S#
M,\6VP7#H:,1%=F6CSV&L0XAS^D^,L:JPA%4L6P^!AQP)7"<PI!J;I%4P'@H]
MKB@3K'H,+"&I=1BH9+=S*J?7=G#-(O<J0YJC#&AM!^&C6@L5!K!O<B )+LF5
M&U)=Z7FFMW>3>TFH=>Y!L/?P&HT=S8\?M_P!4$L#!!0    ( ,V#.U(D'INB
MK0   /@!   :    >&PO7W)E;',O=V]R:V)O;VLN>&UL+G)E;'.UD3T.@S ,
MA:\2Y0 U4*E#!4Q=6"LN$ 7S(Q(2Q:X*MR^% 9 Z=&&RGBU_[\E.GV@4=VZ@
MMO,D1FL&RF3+[.\ I%NTBB[.XS!/:A>LXEF&!KS2O6H0DBBZ0=@S9)[NF:*<
M//Y#='7=:7PX_;(X\ \PO%WHJ45D*4H5&N1,PFBV-L%2XLM,EJ*H,AF**I9P
M6B#BR2!M:59]L$].M.=Y%S?W1:[-XPFNWPQP>'3^ 5!+ P04    " #-@SM2
M99!YDAD!  #/ P  $P   %M#;VYT96YT7U1Y<&5S72YX;6RMDTU.PS 0A:\2
M95LE+BQ8H*8;8 M=< %C3QJK_I-G6M+;,T[:2J 2%85-K'C>O,^>EZS>CQ&P
MZ)WUV)0=47P4 E4'3F(=(GBNM"$Y2?R:MB)*M9-;$/?+Y8-0P1-XJBA[E.O5
M,[1R;ZEXZ7D;3?!-F<!B63R-PLQJ2AFC-4H2U\7!ZQ^4ZD2HN7/08&<B+EA0
MBJN$7/D=<.I[.T!*1D.QD8E>I6.5Z*U .EK >MKBRAE#VQH%.JB]XY8:8P*I
ML0,@9^O1=#%-)IXPC,^[V?S!9@K(RDT*$3FQ!'_'G2/)W55D(TADIJ]X(;+U
M[/M!3EN#OI'-X_T,:3?D@6)8YL_X>\87_QO.\1'"[K\_L;S63AI_YHOA/UY_
M 5!+ 0(4 Q0    ( ,V#.U('04UB@0   +$    0              "  0
M  !D;V-0<F]P<R]A<' N>&UL4$L! A0#%     @ S8,[4C2Q'Q;N    *P(
M !$              ( !KP   &1O8U!R;W!S+V-O<F4N>&UL4$L! A0#%
M  @ S8,[4IE<G",0!@  G"<  !,              ( !S $  'AL+W1H96UE
M+W1H96UE,2YX;6Q02P$"% ,4    " #-@SM2JFN4D3<$  !%$   &
M        @($-"   >&PO=V]R:W-H965T<R]S:&5E=#$N>&UL4$L! A0#%
M  @ S8,[4H.II0/4 0  ,@8   T              ( !>@P  'AL+W-T>6QE
M<RYX;6Q02P$"% ,4    " #-@SM2EXJ[',     3 @  "P
M@ %Y#@  7W)E;',O+G)E;'-02P$"% ,4    " #-@SM2'#AEZC\!   \ @
M#P              @ %B#P  >&PO=V]R:V)O;VLN>&UL4$L! A0#%     @
MS8,[4B0>FZ*M    ^ $  !H              ( !SA   'AL+U]R96QS+W=O
M<FMB;V]K+GAM;"YR96QS4$L! A0#%     @ S8,[4F60>9(9 0  SP,  !,
M             ( !LQ$  %M#;VYT96YT7U1Y<&5S72YX;6Q02P4&      D
,"0 ^ @  _1(

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<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>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>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.20.4</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>95</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="brhc10019339_8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>000100 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://nbtbank.com/role/DocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</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 doctype="8-K" original="brhc10019339_8k.htm">brhc10019339_8k.htm</File>
    <File>brhc10019339_ex99-1.htm</File>
    <File>nbtb-20210127.xsd</File>
    <File>nbtb-20210127_lab.xml</File>
    <File>nbtb-20210127_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2019-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>14
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "brhc10019339_8k.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "contextCount": 1,
   "dts": {
    "definitionLink": {
     "remote": [
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-eedm-def-2019-01-31.xml",
      "http://xbrl.fasb.org/srt/2019/elts/srt-eedm1-def-2019-01-31.xml"
     ]
    },
    "inline": {
     "local": [
      "brhc10019339_8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "nbtb-20210127_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-doc-2019-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "nbtb-20210127_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-ref-2019-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "nbtb-20210127.xsd"
     ],
     "remote": [
      "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/lrr/role/net-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd",
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-roles-2019-01-31.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-types-2019-01-31.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-roles-2019-01-31.xsd",
      "https://xbrl.sec.gov/country/2017/country-2017-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-types-2019-01-31.xsd",
      "https://xbrl.sec.gov/currency/2019/currency-2019-01-31.xsd",
      "https://xbrl.sec.gov/exch/2019/exch-2019-01-31.xsd",
      "https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd",
      "https://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd",
      "https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd",
      "http://www.xbrl.org/2004/ref-2004-08-10.xsd",
      "http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd"
     ]
    }
   },
   "elementCount": 29,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2019-01-31": 16,
    "total": 16
   },
   "keyCustom": 0,
   "keyStandard": 95,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "nbtb",
   "nsuri": "http://nbtbank.com/20210127",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "div",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "brhc10019339_8k.htm",
      "contextRef": "c20210127to20210127",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "000100 - Document - Document and Entity Information",
     "role": "http://nbtbank.com/role/DocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "div",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "brhc10019339_8k.htm",
      "contextRef": "c20210127to20210127",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentFiscalPeriodFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "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.",
        "label": "Document Fiscal Period Focus"
       }
      }
     },
     "localname": "DocumentFiscalPeriodFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "fiscalPeriodItemType"
    },
    "dei_DocumentFiscalYearFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "This is focus fiscal year of the document report in CCYY 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.",
        "label": "Document Fiscal Year Focus"
       }
      }
     },
     "localname": "DocumentFiscalYearFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "gYearItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.",
        "label": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "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'.",
        "label": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine2": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 2 such as Street or Suite number",
        "label": "Entity Address, Address Line Two"
       }
      }
     },
     "localname": "EntityAddressAddressLine2",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine3": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 3 such as an Office Park",
        "label": "Entity Address, Address Line Three"
       }
      }
     },
     "localname": "EntityAddressAddressLine3",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCountry": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "ISO 3166-1 alpha-2 country code.",
        "label": "Entity Address, Country"
       }
      }
     },
     "localname": "EntityAddressCountry",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "countryCodeItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "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.",
        "label": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation, State or Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_NoTradingSymbolFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a security having no trading symbol.",
        "label": "No Trading Symbol Flag"
       }
      }
     },
     "localname": "NoTradingSymbolFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "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.",
        "label": "Pre-commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "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.",
        "label": "Pre-commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Title of 12(b) Security"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "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.",
        "label": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "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.",
        "label": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>15
<FILENAME>0001140361-21-002332-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001140361-21-002332-xbrl.zip
M4$L#!!0    ( ,V#.U*Z-_>0?!,  (IW   3    8G)H8S$P,#$Y,S,Y7SAK
M+FAT;>T]:U/;2+;?;]7]#WT]]\Z2JMB6U*V70Z@B0#+L), %9G?N?MGJE[ V
MLN219,#SZ^_IEF3+1L8"S"M+*I5(ZH=.GS[O<UK>'N:C"%V/HC@;7+,T"C]V
MAGD^'O3[5U=7/?6DEZ07?<LP<#^,LYS&7';*_E$8?[^ENVIF-)MUO[[1_PKK
MWJ;O^WW=.NN:A4T=85JS__NWKV=\*$>TNPR/>KV8#ZQ#X_2+QJIKF"7$,MW;
M%EOTF VX7M775(@!X.7OGTZ_SKOGS?WG7?MY2N,L2-(1S<,D5C/97</J6DYM
MDFXF^<)$<-^[2"[7SN-UL5G-,\FZ%Y2.9_,$-&,:F+)!#?&[AED;(N02'JOW
M0D-#]TF>KD2EWX?6JF,\&35W%'G:SZ=CV8<>,@WY;$ 2MQB3Q-VE<3R9Q'DZ
M;5Y$V:@6XBXNA$_25,9\U;BRM0$#,0UYUCQ*-S6\*PMY\P!H4-W-I>[Y.%W1
M'UK4 &]Q@+SFP^8!JJ5A#5F:WZ01>-BT7):S65]U0^/O/9Z,H*ME&J95\<UJ
M=E=RI[/SG_^!T/904J&OX#H/\TCN;/>+_\N'_]7MHJ\AEW$F!<J3 ?J4)E2D
MH;B0Z',8@PP(:83.DFBB." K1ND_^PD'NHASQ%-)<Q@]R<+X AWL?]D]#4)@
MH8L,G9P>PZ5$;@_WK)Y1&[V7C*=I>#',$<!LHRY2JZN_O-NM0!S)G"*UUJ[\
M8Q)>?NSL)7$.+^Z> X%V$"_N/G9R>9WW]=I1'\9N]\O%PR5+Q!1E^322'SL!
M].\&=!1&TP'ZRWDXDADZDE?H-!G1^"\?D&[/PC_E )G&./^ U+Q=&H47\0!%
M,H G/(F2=(!^,O2?#XA1_OTB!<H7W:HIT'\^J&W8%N$E"L7'SO[9R>=0R95?
M0B%DW*D@$F$VCBA  \PF8<AV>#U0L,NTN-2]]25T."J8$<5TI(;*<+ +NR#4
M3GR.Z$5'O^DSY?D_N;2XP(ZT#$\2T\0L<(3O4)/30 9$T9%&W75^*H./'5Z1
M5Y[,":T0?1\[("X'+$DB2>. 1J!W=O1_V_T%F%:#>! #T4U/Y468*9&:'T%+
M#5(A;5NX4OH&<8GCV9X/+.HQPQ+4@&NV'M*=HT_GZ-/NT=[QZ0DZ/-J[(V2?
M@4BAC<FT!E7 ;9,;S/2] !/J >9,&SL>]XCC6AX-6D %U-$UB6O@.\)S3J\/
M8<_S, BY5CTW@.-.@*EA21&8F# <>)C:)@Z(8=B^S;G1 CC3Z9J6XSDNN2-T
MNT*D,LM.$K 1HG^$X[U$U'?3"SSI&@ZW?<:)-. -%K<DDSB0@AF.TP8T[)EV
M:ZCV%$P@A);@P)X;6!ZQN0/D[H*<%88A/8-R;%-?,-P"#L=P6T/Q->$T.AD"
M"]_8+,<* ".6D PHR6$V"V!YAF\9/G<=R_5;0(*QV[4LISU2_IZ&.<C%O60T
MFL0E%64UF!@0MB.$BSW/)YR[OO"9:=F. <0D,15/*!U NX0\S$%C? -%DH+"
MJ<'I2M?BS'>"P&3$]R0C */M2LZ9ZPF+/B&<)ZE4Z 0S12IQ>PYB5Z;'0;"P
MU[;#/0 3^X9-B2U]S_%MCP(_>%*HA\\'[V&6363:#+5D&*"TF4T<@V"3^ (;
M@&\/J)0(PV\A3C:L*P[@\050Q)<TN<J'L(PQC:<+ /O"P09VF&41Z0K&'( V
M<#$C(&N,IR3? N ]P'!*HT/ [O6OL@ZJ:S&/8LP#"] K#.J#CG,(9MAW'!^4
M2CL]8KB^@6V_/5-),*D!+M-BY\K@JPMH%]O,9-*R0# 2QGS,0,?YA!B@;UTL
M6P"DZ"J)T5F>\._OT9BFZ))&$XG^V^@9)AK+%&5#FK;'X7E*!>SVV73$DCKW
M"SO )C6%DIJ$^(%'?(J%+V&;00+8;70)6 :?[HRU S#C:7PAEPP5V$.78XD=
M2V(B')_Y#/0OLR@U70XF0AMP=L_V=__W!D#]14,OE<"?BG&SG6WEO0\R[9?#
MM$A[\X-AJMZ@W(-N-7?O.@.R+YJ5[_:QDX6C,>P\S+XX1_&Z^COT;99,4GVG
MHQ6#<BEZ]8U+*?M)3?_575C:+8H$U/MDHX^]=_CK(E4O#]ZI'BW.#I05)J*Z
M _LCS?=!9^PHH)0;9;G5N'G;#$RQHFO54MU7+^DOX*%"V@Q+_9J9W@<;7[L:
MX*\4E]IU&::5C<^2%#J6)CXJ[KHLR?-D!'[&^!IEH 0%8A&X$K/V/!D/$%EN
M'$KE-VGOY'KNBY0.QRV^R((C QX?J-H/:$25F.TJOV: Z"1/9H_2XBWZ6>%1
MZ27-5U?<5 MLFOPNKA91KI9^<%6N#R2! &_HMZ/#\X-]=':^>WYP5D>TAB #
MO;#@V=6FZ^R@[;[J\+0 GQWL_79Z>'YX<(9VC_;1P>][O^P>?3E >\??OAV>
MG1T>']U8Q0;!LO3";^)EW?"E1?Q]]^R7PZ,OY\='[]%^;Z\'_KE-_!*=;>'7
MWC( P](9_4#GNPV>QPQJW%2Q@%7G@%N\\:JI";F+G-F>'UHOY#Z[Z*TBKL_'
MI]_02O55Q62*R,A,;1'F6\I8"@B31' *7K6'7=.CPC8M[K?Q9+WNKS=UUIW6
M?U\ZN _ZC%7H \X\/3@Z1Z<')\>GYX\-0F?G9))F$QKG*$\0V!;*"4,F1DF*
M3'M+O$-)@/*A1*79$<)\E>6!=GFNFDT?DQ>.Z<Z.4I\*V%,Y3M(<;57WDH("
ME5F.Y*6*%*:Z68IW@_4D?**5\$&AFFNT3 .'V]ARP.QRB8U=CS%*?0*>M>^X
M+KNK?R5@=K!D\Z&@TRF *^/.SE]I/*'I%%GN>QV6O"_AOXF_!V/A'B1IK53,
M"TI1I7^ZX76W,+H'[>*0RV'&7J40GYC?M@ZN 5[--8K-TEE@%=$,96/)E0TM
M4!BC,,\0"!3@NO3=IL5(3EDDH7<4 1(XN&\?.RI0 /=C*D1U7Q"8OE1,_*<1
M,&Q9W'&D8Q);$L\U/&IRAKE!I>N2SKT#]5>AR(?JQOB?F0D-+!#1<09]JJL6
M ?TZV]5R%OIZ.T]WZL^J'MNYJ  OX< $P+B4:1YR&E7O*TS^A3<\H?I;$\,X
MC'F2@HC6P<*S'$3C7I'.6XJLNH8$V>L&X+L)HK(*-I78QSZW22"YN&-,3G&B
M<M=R.4Z32P63$L+[,J)732&$!9J<8:]?]TNJ9[EHNU6XAU_>9JT35VL3%/7\
M0X.<VASRK->'O+4)E(7\R$.QIR5'?TET;$"<Y,GX"3 ,"D=+ V6W)F"OINA?
M8*YF(BP,6M! 85URZ&[I!8W#/_7]N\?ASB=;NPIVAEFF5J82A:C([VQ@54UL
M\V2K.NR=]LYZZ& TCI(I;.EBPA$=);UV*VP@[>I*)>&UD= V /,B?,1VV<_R
MOZ]A+,UZ^L<.3-<#<]'EG###\!PF#,JXH:2S0=L$^VT+G263?%A40Z"S/)4R
M7U:#[U=[4 M@JMSH<7J>7,7UY(F+;8=2UP'SEGB@N%W7-DQ&F2#,#%RK31@[
M2:]"/KPO6%J<'*<GH/!#768V]^\\0S@$V\RV)*$V =BP![ !7C&71HNL[7K;
M0I'$_R7I]V7HT5JML3:W7:6N[Q0G>P 7E_A4,GB< BK#,8V0O)9\DH>7RCD
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M.-W<O^V-OSY6N'[[HRF0VGF)X\C[*O+&U/8W=,^:Z/;$-<>&XX[M@!@3@G$
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MTY0RX.:N5L,IX[,PYDE1/#VXX,V5$A3%-ZQM&=T -SF.CH[9B%J?)"0>P4[
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M_)4.]@H"(_)4?.@T\OR1+5'5*.7,5L#<_1QB #,EJD0EMTX#:'H83;I$#3P
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M)'%*SJ>U(6 T5?[B/\D+5,QPDI"<.<)>_DH'>P7>)'F\23O,55/=VTSB;5+
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M=\CWIKM]K9H!M4I/F 1A-_@] PJCG"X)\@A P]4<$R3@Z9(@K#"49JG?S',
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M!L=/2N#+ODV.M 7L<HK^(6P/R"!X 0B\FFP> 0X !Z_,%'  .#A[913EB>,
MM(B]P2)6B1B*DOS$)*\ZA7QWY4;6.HVRDA2EAB:$\,QE.F@<$?J7([5*.#7?
M&:P1K!&L$:R1+&O4?_$/6[^_3,GC<X&:4XL?6/3@*E"6HB3#:?]W;4ZC8H^D
M][B/.%G/U7S74KVR#R!<YIO9?<W,L[4@@$J7ZI  V%UAU]-,3[:^2=("1P(2
M +LK[/J:9X+<58<$P.X*NX'FZ\K+W>,8LT]8WBL2+O*XC*FIBK_A..$5.299
MC@J<0!^<PVZ2PQN#CF:+K>$X#*ZICPX&!5<7ZA88!HN& @6A)^8P6#0,*'@.
M2 5EWM.S5!#;RT R9?FPD9^6'CTE243?AF:X9!_=0>CG."3($Z.Q-,<R53=9
M586!!"0(<I58FF<)KG9[NCR7@ 1AL M,Y5O-J,IS"4@0!#M;TP/9^K*?#,\E
M($$8[$Q#^?2;8UE8AVVLM6+"IW)*<FB6)98<X>T=ND,B+C2U G*DQNW9*]<1
MW%54 C8 .=*#5'#:A01L '(D!ZEO@B0%<B0':6 .O0G9<>)SC%Q3MS5D6C[]
MPW'VORN]+]/6+V)W=&J^SDJ<H%CX]>3[/0(_L%)RR8;]YC;$.V52+X_O:K8M
MF_=5!= K2;0L4(1MN:;ZLMMTLL5[58"SDD3+@SO8@ZT]Z-%S4+;@MPIP5I)H
M>7 '>["U!P/-UD$7A3T(>U#86@2ZYG@G> Y*>J_ST67V$/D^)VD!-S[[O++1
M<V6MP2TML%#YI046*K^TP$+EEQ98*(\N=]AKAV_)/"OB$LI+0GG)0UU=]'U/
M,CM.6G1)0(*"7HL>;V:X %UU2 #HMJ#K&W!A7!T2 +HKSZ]FZ+(E(4B+&PE(
M .@N9V;HFN'+%CB4]"[G4TKB3+.\/"])/F-1ESR[C=.;HQJJ)^=4.80!: 10
M+TR9]_19+TQP7M,P&#0$( 2>4--D& P: A ,S0N$.EB&P:*!0$%7 PHJ1G4^
M9NE-I3A'9%Q";&? !86Z@S"NX$O-IPL""4@05<8/.G.=, G"0*=\+355.2X!
M"0"Z4^.X!"2("O'ZRD?)Y(TT+-BUCCC%)8F.;C*!L^!^]G1'&31+D6844G--
M?71P*'@.0$&5]_0*!;%-2H?!H"$ X1Q@H,I[  ;"(@Q'*(>WXL7?%VG,VL**
M5+6A9('\I3)%5:1S;*%*I*+05))HV$^'+M_AN+!Y8// YGG2YG$#V#RP>6#S
M/"VY5+K6@2K@4$FB8?,<>O,8FF[*=G]I,$77#NU*>61G 1$5V=04&4.L^"%H
MXJYF68)S8]1'H&3D//I4.07TG[WR--T1?':JCRW)R &H[X*Z#JW\AD4.0'U'
M!HEFFH#U89$#6._&NJ4)SV17T[ _Y%W-2U*N;'8I>O])F\D_#-/\B)/U=<W0
MX5:>.B0H>%+U-3//TP(;[EFI0P)@=SDS*G?EZ^HF+7 D( &PVY:[ RAJ"-@]
M6>PJKS.H&9Y><>%SGGV+BSA+J4V2HR3#*?VC*,B1FTRH[[>2,2_E\$;J,U=L
M)3!A$W\.^^'$]P-KEV*Z$$4&<B2'J>%KO@UA,2!'<IR:@>8"3H$<V7'J:KKH
MIB<#B;P>X0[[@XG7'2%<A"?TWV@NARD,USV&%T:6>GE\7?,,N-4(._7(%YI@
M6[:<X;;F^K(U!50!SDH2+0_N8 ^V]'Q#<W79$@%4@+.21,N#.]B#K<+)GN;8
MLB4TJ !G)8F6!W>P!UNZJ*$9GFP]:093:>")-CO_[@6*2SILV&W'7V:IP+L)
M)U?@]-&OAAJUP$*UEQ98J/S2 @N57UI@H3S:W&&OEUZ1_%L<$A1.<7Y#"I2E
M*"+SK(A+A,.0OJ04'8L<2F*]I''"8[8=U1P?;INJ0X*"+HW>6OIINB\X"UT=
MW$A  D!WE?.H.:9LKC5I<2,!"0#=EM0- I"ZZI  T%U%%35+],4=56Z:/F%U
M+Z[_0#CE#:*HH1KB/$(3<MRLV9-SN!S" G0USQ.:[C(,KJF/#E8TU B$7G$8
M!HN&  57,RR0"LJ\IT\H.)KO@%10YCW]0B&PU.C;K6+<YPLIXYS,2%JB>8)3
MA*-9G,9%F>.27T<[LC:MDI5[Y/NF1PS0!)IN*&^TJ@H#"4@0Y"L)-->7[3+@
MR?!< A*$P<XT!%^R/UV>2T""J"*$6B#==9.3X;D$) B#G6DHGWPC;4#BWP0G
MY13-<(ION%7ULEC,=[Z/(8"_-(E3<CZME7"CN7<1_TE>H&*&DX3D+)3T\E<Z
MV"L(;LCCG>BTGCS-=L"-J<Q[^@UN"&[:/@P6#0$*KN:;0DM.#X-%0X "5<$\
M@((R[^D7"KI8EY=D*O=A@QL?TF*1XS0D:FOA8"7+$!2QJ%H/;L+3)4%8[K-G
MRU:=[61X+@$)PF!G!@"[TR5!6+J\Z<(EI=,E09BTLZ4K.S6<H,AKG'Y%V6U*
M(FIB30B*&[,,:D4]\3U'CF@8FF>!PTJ9]_3IL#(TTU'#824UBX8!!4ML ]AA
ML&@@4/#@NH8R[^GY@%#D$I>*$0W60J@@X2*/RY@4Z 9371H]JWH%';E/*!BI
MXF,2=%ZJ6ZVJ@D "$@0Y2WR(@ITN"8(P9_@@Z$Z7!$&@>^8;:H3 'CTS4!6'
MC5S#AVC&GM;987O KECPJ9R2_+C;3,46.T*W7_\MG#NM-E;10G Y0PEX ^1(
MC5R6BQ&(OHXO 2. ',EAZHB^;B<%(X <Z6'JF'#H SF2P]35/$MP>0 56RL>
MMFWDOFQ;;] YP_E-G)XG9$)-C6!>TG&NLQ(GE!<BNS-"@]C#6Y#BZZ5+O3QT
M:,.0K9*8"J!7DFA9H C;<BVEWM,\T0JODG!6DFAY< =[L+4''0D+N:H 9R6)
ME@=WL ?7]J MMO"/HG!6DFAY< =[L+4'7<V4KM;J$> LZ8W0NK .^^X%BDLZ
M;-AMQU^V'%?D^YRD!=P5[?.RAX2]U*5>6F"A\DL++%1^:8&%RB\ML% >=>ZP
M%Q:O<()S=E61M6DELWF2W1&"QB0ED[B$UE(]W@T4;P ><;*VH>F&X"PP=> E
M 0D*^C-ZJWFF:[8CFW="6N!(0 )@=^59"S3/D"W**RUP)" !L-N6NYX#UXK5
M(0&PVY:[COKU>26-3YR]^A2&"TI_> ?A!GEJ2^VX2VF*+0TQ#*ZICPX.A0"*
MT"GSGGZAH+M0I529]_0+A0!:\*GSGGZAX#IJE+%6,=+S%I<8S?,L)$41IS<\
MX!-FL]DBI324<99"M&?(18>ZPS*:X8!W\'1)$-9%1G>4[W&N*L\E($$<[-3O
M(J,JSR4@05S/++'=64Z9YQ*0( QVGJ&\M),V O$YSR;,D,I2G* )J1/HLD59
MQ!%!!<F_Q=30@O"$//Z%'0:0Y0O51(?!-?71P7H,6A">4.<]_4+!UM5P1$K-
MHF% P0^$>LB&P:(A0(':<6(+!4BF-1\V//'NOXMX/B-I"5&( 9NE.W*$++$A
MX%.&@00D"'*0.)KN@5_N=$D0YY>#*,0)DR ,=JZM?$*ZJCR7@ 1AL/--Y>].
M2AN%^#29Q"%!Q6(^3YI+_/.L*/$-%&*2R'?0W1M8<\3>S!P&U]1'!X>"!9=D
ME'E/OU"P'4B'5^8]_4+!M8263!D&BX8!!<]6(S:M8NCA_=L/;T34+P5S5(;H
M@V>!-^YT21#D%G%M"'B=+@F"0!<$$.XZ71)$5<*1KL'-R7!< A($@>Y<=<A)
M&W&XB/B@[ 8Y1!CD<1%T6C:^V/Y^P^"9^M@X>P71!87>TVLVNRDT!608#!H"
M$%Q=J--K& P: A "1PV)H&)<X6*6T=?]R8LKH6R"XK3$Z4T\3@C"14&@O<:@
MK= =*CGD8)XN"8*\(;X#G5=.EP11H/,AV'"Z)(@"G24T2^:4.2X!":) )S8U
M:]#AAH\93MDD$A)R*XH762JG)$<YP0DB18E+@K+;E$0:2LE1+X^#<^%^[G4:
M0 &XHM5Y3Z\>2!. H,Q[^@2"9T(!-F7>TV^2NPX7XM1Y3\^WH!2Y^B(L+I'?
MC)^9NJTAT_+I'X[SG#Z5Y1')SZO!7R!S_AT561)'_&%=0^S_GC_IGC%3N05'
M*WY@PD<S?/<B9[^Y"365>YO'(4P(0]<,Z0IJJX!.)8F&+778+<5+6DK7]$4%
M)"I)-&R?PV^?P) MGJH"$I4D&K;/H;>/JP5P^L#V@>WSU.UC&4(=YV*0>"PW
MRV$=*.OPF.'\)D[/$S*AMFPP+^DXUUF)$\J+-$Y+DI.B%%.&0D6I<7B_PD_]
M+_HAQ$P/%3 <C6Y?L4)%?0A*1LZC3Y93@#\]/^D!J@ON/:H^N"0C![#>C75'
MLVS!RJ+ZX)*,',!Z=Q:)KOF^X$HCZH-+,G( Z[NP;HIM5:BJ>7_(VYT?TC";
M$30FDRPG**[^5>+O4$FR_VN4XO?Y$2=K6YIKRA9QDA9>$I"@X+'56_L/5S-T
M* "G#@F W56@W]!,3[90I;3 D8 $P.XJ@=K4=+B K1 )@-V5W/4T0WU]5\V(
M]99Y*\R@5=][)6..2@\7>C7;$ES32 +> #E2(Y=?&@E\B/L".9+CU-4<=U"N
M_2'@0C)R)("IH7F&X XV$C "R)$<IKYFN((MR8$$2H]PW7P]6WK;UNA*H+XD
M91UZA=OIXFYC#".D*_7R6+9FB,[Y4!+T2A(M"Q1A6ZXYIAW-,&0+JJ@ 9R6)
ME@=WL =7:V':U/*$/0A[$/:@L+4P=,UR!?O2E82SDD3+@SO8@ZUST-<"%PH!
M-/,27:F\LMGY=R]07-)APVX[_AW.TSB]*=!GDJ.K*<[_;WOOVN2VD60-_Q5$
M[_@=^8EJ&O>+5^X(R;)VO>&1-9:>9V,_@D1U$VL0Z % 7?SKWP)(MM@2+VC>
M*A,XC@E-=Y,$L[+.R:S*RLJ\:.!J<)5'G_S5*!Z+*>2M6DPA>]5B"MFK%E-(
M9S5WVGN?+^,JG>!R)RYWGF2PYBB@%DDA"RX"(C",69QK9.8HI!9_( L; B(
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M>\R]J*I#\\;UQOGIG%ULL%4G^$X<V:P=V4"#(,- IA)D !DPE2 #R("I!!E
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M#:%F:T?D&-L2MF,*E^J)R25=-N!( (ZC(." Q&&EG8 9EXZ>",L)A&^Z'+@
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M,Y[.09Q?KJ4]W6_KC965/<HPG&E7]8U].ROF3ORM3]AM+_%P&.#/!Z)581=
M0\^WP@@>)]?_I#)+?NAB _]0R\WC%IB ^<'?"IC#US-'.GP]H''<M\((PM<?
M"[C+!;DVM_\Z/O)U<F!TO(3X_J/,/DCC'^KST\KX1;T],5[)B6P.*@S'$F>
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MK3T,@^K,1Z?XA,)"TP/P>.=_**FNLW%0)'P330_ T)UR@:'ZU.69(K &VO0
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M&L.*_-$PG$2L([&@DC4*/!Y6D9CB2*Q6P"P2S&IH%#)9_/-?08 S?>%,!,Z
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M='ON;BEUVEWW_\UOYVV6?1O'GA2S6=H>V59&*2M9?B#BQS7EL?8B:7B/X3I
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M7Z34%Z7C$W_[-2>1&GED-8&S%L<XGP,X61V*L\>E[,@6=N#3MR"7]]T K&;
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MWLV^_^[M#\/A1QQCZJ4X0/-7=/G^X_G](HR8-$%W][?L(T:_'AWS7^@W2KR
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MTR6[V/I(R4OZQ,KFV8OAKRNM2HE6@[(QN*"O6X9M7=AQ-F<*LH4"Y1)4:/I
MN7UMR5Z+ +$/)LEE8/$M?N)D:9ZNV2?^<XJ+IC#_N;ZS_P%02P,$%     @
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M4$L! A0#%     @ S8,[4I7AE(B@M@  )CH5 !<              ( !K1,
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2      4 !0!+ 0  #MT

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
