<SEC-DOCUMENT>0001387131-20-009204.txt : 20201023
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<ACCEPTANCE-DATETIME>20201023120013
ACCESSION NUMBER:		0001387131-20-009204
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20201023
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20201023
DATE AS OF CHANGE:		20201023

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TOMPKINS FINANCIAL CORP
		CENTRAL INDEX KEY:			0001005817
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				161482357
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-12709
		FILM NUMBER:		201256787

	BUSINESS ADDRESS:	
		STREET 1:		118 E SENECA STREET
		STREET 2:		P.O. BOX 460
		CITY:			ITHACA
		STATE:			NY
		ZIP:			14850
		BUSINESS PHONE:		607-274-2078

	MAIL ADDRESS:	
		STREET 1:		118 E. SENECA STREET
		STREET 2:		PO BOX 460
		CITY:			ITHACA
		STATE:			NY
		ZIP:			14850

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TOMPKINS TRUSTCO INC
		DATE OF NAME CHANGE:	19990512

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TOMPKINS COUNTY TRUSTCO INC
		DATE OF NAME CHANGE:	19960117
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></p>

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

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

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

<p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 12pt Times New Roman, Times, Serif">UNITED STATES</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 12pt Times New Roman, Times, Serif"><b>SECURITIES AND EXCHANGE COMMISSION</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 12pt Times New Roman, Times, Serif"><b>Washington, D.C. 20549</b></span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 14pt Times New Roman, Times, Serif"><b>FORM <span id="xdx_902_edei--DocumentType_c20201023__20201023_z9vPHRIZytl3"><ix:nonNumeric contextRef="From2020-10-23to2020-10-23" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></span></p>

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

<p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 12pt Times New Roman, Times, Serif">CURRENT REPORT</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 12pt Times New Roman, Times, Serif"><b>Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934</b></span></p>

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

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

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

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></p>

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif">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 (see General Instruction A.2. below):</span></p>

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0in; margin-bottom: 0in; width: 100%"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">
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                                         communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0in; margin-bottom: 0in; width: 100%"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span id="xdx_900_edei--SolicitingMaterial_c20201023__20201023_zH18wKqDa6uh" style="font: 10pt Times New Roman, Times, Serif"><ix:nonNumeric contextRef="From2020-10-23to2020-10-23" format="ixt:booleanfalse" name="dei:SolicitingMaterial">&#9744;</ix:nonNumeric></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">Soliciting
                                         material pursuant to Rule 14a-12 under the Exchange Act (17CFR 240.14a-12)</span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0in; margin-bottom: 0in; width: 100%"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span id="xdx_909_edei--PreCommencementTenderOffer_c20201023__20201023_zHmsAgM0oeaj" style="font: 10pt Times New Roman, Times, Serif"><ix:nonNumeric contextRef="From2020-10-23to2020-10-23" format="ixt:booleanfalse" name="dei:PreCommencementTenderOffer">&#9744;</ix:nonNumeric></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">Pre-commencement
                                         communication pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></td>
</tr></table>

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0in; margin-bottom: 0in; width: 100%"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span id="xdx_90A_edei--PreCommencementIssuerTenderOffer_c20201023__20201023_zBJHnFYmdSCl" style="font: 10pt Times New Roman, Times, Serif"><ix:nonNumeric contextRef="From2020-10-23to2020-10-23" format="ixt:booleanfalse" name="dei:PreCommencementIssuerTenderOffer">&#9744;</ix:nonNumeric></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">Pre-commencement
                                         communication pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-4(c))</span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></p>

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

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

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    Stock, $0.10 par value</ix:nonNumeric></span></td>
    <td style="border: Black 0.5pt solid; font: 10pt Times New Roman, Times, Serif; padding: 2pt 0.1in; text-align: center"><span id="xdx_903_edei--TradingSymbol_c20201023__20201023_z4Y7aGtWM8Al" style="font: 10pt Times New Roman, Times, Serif"><ix:nonNumeric contextRef="From2020-10-23to2020-10-23" name="dei:TradingSymbol">TMP</ix:nonNumeric></span></td>
    <td style="border: Black 0.5pt solid; font: 10pt Times New Roman, Times, Serif; padding: 2pt 0.1in; text-align: center"><span id="xdx_905_edei--SecurityExchangeName_c20201023__20201023_zbkkj5FqLfob" style="font: 10pt Times New Roman, Times, Serif"><ix:nonNumeric contextRef="From2020-10-23to2020-10-23" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">NYSE
    American, LLC</ix:nonNumeric></span></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><span style="font: 10pt Times New Roman, Times, Serif">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).</span></p>

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: left">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-right: 0.25in"><span style="font: 10pt Times New Roman, Times, Serif">Emerging
    growth company</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; width: 0.25in"><span id="xdx_901_edei--EntityEmergingGrowthCompany_c20201023__20201023_z2q3jxcTcTzh" style="font: 10pt Times New Roman, Times, Serif"><ix:nonNumeric contextRef="From2020-10-23to2020-10-23" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></td></tr>
</table>

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif; color: #231F20">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.</span>
<span style="font: 10pt Times New Roman, Times, Serif">&#160;&#160;&#160;&#9744;</span></p>

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


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

<p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif">Item
2.02 Results of Operations and Financial Condition</span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; text-indent: 0.5in"><span style="font: 10pt Times New Roman, Times, Serif">On
October 23, 2020, Tompkins Financial Corporation, (the &#8220;Company&#8221;) issued a press release announcing its earnings for
the calendar quarter ended September 30, 2020. A copy of the press release is attached to this Report on Form 8-K as Exhibit 99.1
and is incorporated herein by reference.</span></p>

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

<p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif">Item
8.01 Other Events</span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-indent: 0.5in"><span style="font: 10pt Times New Roman, Times, Serif">On
October 23, 2020, the Company issued a press release announcing that its Board of Directors approved payment of a regular quarterly
cash dividend of $0.54 per share, payable on November 13, 2020, to common shareholders of record on November 3, 2020. A copy of
the press release is attached to this Report on Form 8-K as Exhibit 99.2 and is incorporated herein by reference.</span></p>

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

<p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif">Item
9.01 Financial Statements and Exhibits</span></p>

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0pt"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font: 10pt Times New Roman, Times, Serif">(a)</span></td><td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">Not
                                         applicable.</span></td></tr></table>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0pt"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font: 10pt Times New Roman, Times, Serif">(b)</span></td><td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">Not
                                         applicable.</span></td></tr></table>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0pt"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font: 10pt Times New Roman, Times, Serif">(c)</span></td><td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">Not
                                         applicable.</span></td></tr></table>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0pt"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font: 10pt Times New Roman, Times, Serif">(d)</span></td><td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">Exhibits.</span></td></tr></table>

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

<p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif"><span style="text-decoration: underline">EXHIBIT
INDEX</span></span></p>

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 12%"><span style="font: 10pt Times New Roman, Times, Serif"><b><span style="text-decoration: underline">Exhibit
    No.</span></b></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 88%"><span style="font: 10pt Times New Roman, Times, Serif"><b><span style="text-decoration: underline">Description</span></b></span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.3in"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.3in"><span style="font: 10pt Times New Roman, Times, Serif"><a href="ex99-1.htm">99.1</a></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><span style="font: 10pt Times New Roman, Times, Serif">Press
    Release of Tompkins Financial Corporation dated October 23, 2020</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.3in"><span style="font: 10pt Times New Roman, Times, Serif"><a href="ex99-2.htm">99.2</a></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><span style="font: 10pt Times New Roman, Times, Serif">Press
    Release of Tompkins Financial Corporation dated October 23, 2020</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.3in"><span style="font: 10pt Times New Roman, Times, Serif">104</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.4in"><span style="font: 10pt Times New Roman, Times, Serif">Cover
    Page Interactive Data File (embedded within the Inline XBRL document)</span></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></p>

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

<p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif"><span style="text-decoration: underline">SIGNATURE</span></span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-indent: 0.25in"><span style="font: 10pt Times New Roman, Times, Serif">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.</span></p>

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 50%"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 50%"><span style="font: 10pt Times New Roman, Times, Serif"><b>TOMPKINS
    FINANCIAL CORPORATION</b></span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">Date:
    October 23, 2020</span></td>
    <td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">/S/
    Stephen S. Romaine</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">Stephen
    S. Romaine</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font: 10pt Times New Roman, Times, Serif">President
    and CEO</span></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></p>


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<DOCUMENT>
<TYPE>EX-99.1
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<FILENAME>ex99-1.htm
<DESCRIPTION>PRESS RELEASE OF TOMPKINS FINANCIAL CORPORATION DATED OCTOBER 23, 2020
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><A HREF="tmp-8k_102320.htm">Tompkins Financial Corporation 8-K</A></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: Red; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: Red"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><IMG SRC="ex991001.jpg" ALT="">&nbsp;</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stephen
S. Romaine, President &amp; CEO</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Francis
M. Fetsko, Executive VP, CFO &amp; COO</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tompkins
Financial Corporation (888) 503-5753</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>For
Immediate Release</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Friday,
October 23, 2020</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Tompkins
Financial Corporation Reports Record Third Quarter Earnings</B></FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B>ITHACA,
NY - Tompkins Financial Corporation (NYSE American: TMP)</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tompkins
Financial Corporation reported diluted earnings per share of $1.63 for the third quarter of 2020, up 21.6% compared to $1.34 reported
in the third quarter of 2019. Net income for the third quarter of 2020 was $24.2 million, an increase over the $20.2 million reported
for the same period in 2019.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
the year-to-date period ended September 30, 2020, diluted earnings per share were $3.59, down 9.6% from the same period in 2019.
Year-to-date net income was $53.6 million, down from $60.6 million, for the same period in 2019. Results for the 2020 year-to-date
period were negatively impacted by economic stress resulting from the COVID-19 pandemic, which contributed to the $16.3 million
provision for credit losses recognized during the first quarter of 2020.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President
and CEO, Mr. Stephen Romaine commented, &ldquo;We are pleased to report record earnings per share in the third quarter of 2020.
When compared to the second quarter of 2020, we saw higher levels of net interest income and noninterest income, while expenses
remained relatively stable. We are encouraged by these favorable trends, though the impact of the pandemic-related economic shut
down continues to leave much uncertainty, especially in terms of the longer term credit outlook. While we have several customers
who continue to be negatively impacted by the current economic environment, our nonperforming assets as a percentage of total
assets were lower at September 30, 2020 than they were at the same time last year. We have also seen a declining trend of customers
who are in a deferred payment status.&rdquo;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SELECTED
HIGHLIGHTS FOR THE THIRD QUARTER:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
                                         loans of $5.4 billion were up $541.2 million, or 11.1% over September 30, 2019. The increase
                                         over the prior period included $464.1 million of PPP loans funded during the second quarter
                                         of 2020.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
                                         deposits of $6.6 billion increased by $1.2 billion, or 22.9% over September 30, 2019.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
                                         ratio of Total Capital to Risk-Weighted Assets improved to 14.26%, up from 13.95% at
                                         June 30, 2020, and 13.53% at December 31, 2019.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">NET
INTEREST INCOME</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; text-indent: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
interest income was $58.3 million for the third quarter of 2020, compared to $53.2 million reported for the third quarter of 2019.
For the year-to-date period, net interest income was $167.6 million, an increase of $10.2 million or 6.5% from the same nine-month
period in 2019.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
interest income benefited from growth in average loans and average deposits. Average loans were up $381.6 million, or 7.9% in
the nine months ended September 30, 2020, compared to the same nine month period in 2019. The increase in average loans includes
the benefit of $464.1 million of loans originated under the Small Business Administration&rsquo;s (&ldquo;SBA&rdquo;) Paycheck
Protection Program (&ldquo;PPP&rdquo;) in the second quarter of 2020. Asset yields were down 36 basis points compared to the first
nine months of 2019, which reflects the impact of reductions in market interest rates during the first nine months of 2020, and
the addition of the lower yielding PPP loans originated in the second quarter. While PPP loans were a significant contributor
to average loan growth for the year, increases in residential real estate loans (up 5.8% from 2019) and commercial real estate
(up 6.0% from 2019), also contributed to the growth in year-to-date average loan balances.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average
total deposits were up $937.4 million, or 18.7% in the first nine months of 2020, versus the same period in 2019. Average noninterest
deposits were up $318.9 million or 23.1% in the first nine months of 2020, compared to the same period in 2019. Average deposit
balances benefited from $464.1 million of PPP loan originations during the second quarter of 2020, the majority of which were
deposited in Tompkins checking accounts. The average rate paid on interest-bearing deposit products in the first nine months of
2020 decreased by 32 basis points from the same period in 2019. The total cost of interest-bearing liabilities declined by 49
basis points to 0.66% from the same period last year.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
interest margin was 3.26% for the third quarter of 2020, down compared to the 3.43% reported for the third quarter of 2019, and
3.45% for the second quarter of 2020. The decline in net interest margin during the third quarter, when compared to the second
quarter of 2020, was driven in part by a shift from noninterest-bearing cash balances to interest-bearing cash balances and securities.
This shift from noninterest-bearing balances to earning assets resulted in an increase in interest income during the third quarter
of 2020, but a 15 basis point decline in net interest margin, when compared to the immediate prior quarter. Net interest margin
for the quarter was also negatively impacted by lower rates on interest earning assets, which were partially offset by lower funding
costs.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
a result of its participation in the SBA&rsquo;s PPP, in the third quarter the Company recorded net deferred loan fees of $2.4
million, which are included in interest income. For the year-to-date period, net deferred loan fees from PPP loan originations
were $4.8 million.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">NONINTEREST
INCOME</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest
income represented 24.7% of total revenues in the first nine months of 2020, as compared to 26.7% in the same period in 2019.
Noninterest income of $18.9 million for the third quarter of 2020 was down 3.3% compared to the same period in 2019. For the year-to-date
period, noninterest income of $55.0 million was down 4.2% from the same period in 2019. Total fee based services in the third
quarter of 2020 were $17.1 million, down 2.1% compared to the same period in 2019. The reduction in fee based income in 2020,
when compared to 2019, is largely related to the pandemic-related travel and business restrictions, which reduced card services
fees and service charges on deposit accounts. It is noteworthy that card services fees and deposit fees in the third quarter of
2020 were up over the second quarter of 2020, by 6.0% and 15.7% respectively.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">NONINTEREST
EXPENSE</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest
expense was $46.3 million for the third quarter of 2020, up $694,000, or 1.5%, over the third quarter of 2019. For the year-to-date
period, noninterest expense was $139.0 million, up $3.0 million, or 2.2%, from the same period in 2019. The increase in noninterest
expense for both the third quarter and year-to-date periods was primarily attributable to normal annual increases in salaries
and wages. Other expense for the third quarter and year-to-date periods of 2020 included a credit of $417,000 and
an expense of $1.3 million, respectively, related to allowance for credit losses for off-balance sheet exposures.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INCOME
TAX EXPENSE</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company&rsquo;s effective tax rate was 20.7% for the third quarter of 2020, compared to 21.3% for the same period in 2019. The
effective tax rate for the nine months ended September 30, 2020 was 20.4%, compared to 20.7% reported for the same period in 2019.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASSET
QUALITY</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provision
for credit losses in the third quarter of 2020 was $199,000 compared to $1.3 million for the same period in 2019. Provision expense
for the nine months ended September 30, 2020 was $16.1 million, compared to $2.4 million for the same period in 2019. The first
quarter of 2020 included provision expense of $16.3 million related to the impact of the economic shutdown related to COVID-19
on economic forecasts and other model assumptions relied upon by management in determining the allowance. Net recoveries for the
third quarter of 2020 were $11,000 compared to net charge-offs of $739,000 reported in the third quarter of 2019.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
allowance for credit losses represented 0.97% of total loans and leases at September 30, 2020, up from 0.96% at June 30, 2020,
0.81% at December 31, 2019, and 0.85% at September 30, 2019. The ratio of the allowance to total nonperforming loans and leases
was 154.68% at September 30, 2020, improved from 126.90% at December 31, 2019, and 137.46% at September 30, 2019.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonperforming
assets represented 0.44% of total assets at September 30, 2020, down from 0.47% at December 31, 2019. Nonperforming asset levels
continue to be below the most recent Federal Reserve Board Peer Group Average1 of 0.58%.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Despite relatively stable trends in nonperforming assets and other delinquency, some customers have experienced continued cash flow stress related to the pandemic related shut-down, resulting in an increase in loans rated as Special Mention. Total Special Mention loans totaled $122.7 million at the end of the third
quarter, up from $44.7 million at June 30, 2020. Even so, the more severely rated Substandard credits declined during the quarter
to $45.4 million at September 30, 2020, down from $48.0 million at June 30, 2020.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Overall
credit quality has been supported by several initiatives initiated by the Company in response to the pandemic. As previously announced,
Tompkins has initiated and participated in a number of credit initiatives to support customers who have been impacted by the economic
conditions associated with the COVID-19 pandemic. The Company implemented a payment deferral program to assist both consumer and
business borrowers that may be experiencing financial hardship due to COVID-19. Weekly deferral requests for the month of September
were down 96.8% from peak levels the Company experienced in late March. As of September 30, 2020, total loans that continue in
a deferral status amounted to approximately $120.0 million, representing 2.2% of total loans. Of loans that have come out of the
deferral program as of September 30, 2020, about 85.0% had made a payment and 0.18% were more than 30 days delinquent.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
previously noted, the Company participated in the U.S. Small Business Administration (SBA) Paycheck Protection Program (&ldquo;PPP&rdquo;).
This program provides borrower guarantees for lenders, as well as loan forgiveness incentives for borrowers that utilize the loan
proceeds to cover employee compensation-related expenses and certain other eligible business operating costs, all in accordance
with the rules and regulations established by the SBA. The Company began accepting applications for PPP loans on April 3, 2020,
and had funded approximately 2,998 loans totaling about $464.1 million as of September 30, 2020. As of September 30, 2020 approximately
295 loans totaling $51.9 million have been submitted to the SBA for forgiveness under the terms of the PPP program.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CAPITAL
POSITION</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capital
ratios remained well above the regulatory minimums for well capitalized institutions. The ratio of Total Capital to Risk-Weighted
Assets improved to 14.26% at September 30, 2020, up from 13.95% at June 30, 2020, and 13.53% at December 31, 2019. The ratio of
Tier 1 capital to average assets was 8.85% at September 30, 2020, up from 8.79% at June 30, 2020, and down from 9.61% at December
31, 2019. The current period Tier 1 capital to average assets was negatively impacted by balance sheet growth associated with
the PPP loans originated in the second quarter of 2020. In April of this year, the Company announced that it had temporarily suspended
its share repurchase program. Management has not yet determined when it will resume repurchases under the share repurchase program.
Any such decision will be based on, among other factors, the Company&rsquo;s financial and capital position.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ABOUT
TOMPKINS FINANCIAL CORPORATION</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tompkins
Financial Corporation is a financial services company serving the Central, Western, and Hudson Valley regions of New York and
the Southeastern region of Pennsylvania. Headquartered in Ithaca, NY, Tompkins Financial is parent to Tompkins Trust Company,
Tompkins Bank of Castile, Tompkins Mahopac Bank, Tompkins VIST Bank, Tompkins Insurance Agencies, Inc., and offers wealth management
services through Tompkins Financial Advisors. For more information on Tompkins Financial, visit <U>www.tompkinsfinancial.com</U></FONT>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&ldquo;Safe
Harbor&rdquo; Statement under the Private Securities Litigation Reform of 1995:</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
press release may contain &ldquo;forward-looking statements&rdquo; within the meaning of the Private Securities Litigation
Reform Act of 1995. Forward-looking statements are neither historical facts nor assurances of future performance. Examples of
forward-looking statements in this press release include, without limitation, those regarding the novel coronavirus
(COVID-19) and our plans in response to the coronavirus. Forward-looking statements may be identified by use of such words as
&ldquo;may&rdquo;, &ldquo;will&rdquo;, &ldquo;estimate&rdquo;, &ldquo;intend&rdquo;, &ldquo;continue&rdquo;,
&ldquo;believe&rdquo;, &ldquo;expect&rdquo;, &ldquo;plan&rdquo;, or &ldquo;anticipate&rdquo;, and other similar words.
Forward-looking statements are made based on management&rsquo;s expectations and beliefs concerning future events impacting
the Company and are subject to certain uncertainties and factors relating to the Company&rsquo;s operations and economic
environment, all of which are difficult to predict and many of which are beyond the control of the Company, that could cause
actual results of the Company to differ materially from those expressed and/or implied by forward-looking statements. The
following factors, in addition to those listed as Risk Factors in Item 1A of our Annual Reports on Form 10-K and our
Quarterly Reports on Form 10-Q as filed with the Securities and Exchange Commission, are among those that could cause actual
results to differ materially from the forward-looking statements: changes in general economic, market and regulatory
conditions; the severity and duration of the coronavirus outbreak and the impact of the outbreak (including the
government&rsquo;s response to the outbreak) on economic and financial markets, potential regulatory actions, and
modifications to our operations, products, and services relating thereto; disruptions in our and our customers&rsquo;
operations and loss of revenue due to pandemics, epidemics, widespread health emergencies, government-imposed travel/business
restrictions, or outbreaks of infectious diseases such as the coronavirus, and the associated adverse impact on our financial
position, liquidity, and our customers&rsquo; abilities to repay their obligations to us or willingness to obtain financial
services products from the Company; the development of an interest rate environment that may adversely affect the
Company&rsquo;s interest rate spread, other income or cash flow anticipated from the Company&rsquo;s operations, investment
and/or lending activities; changes in laws and regulations affecting banks, bank holding companies and/or financial holding
companies, such as the Dodd-Frank Act, Basel III and the Economic Growth, Regulatory Relief, and Consumer Protection Act;
legislative and regulatory changes in response to COVID-19 with which we and our subsidiaries must comply, including the
CARES Act and the rules and regulations promulgated thereunder, and state and local government mandates; technological
developments and changes; the ability to continue to introduce competitive new products and services on a timely,
cost-effective basis; governmental and public policy changes, including environmental regulation; reliance on large
customers; uncertainties arising from national and global events, including the potential impact of widespread protests,
civil unrest, and political uncertainty on the economy and the financial services industry; and financial
resources in the amounts, at the times and on the terms required to support the Company&rsquo;s future businesses. The
Company does not undertake any obligation to update its forward-looking statements.</FONT></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 100%; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>TOMPKINS FINANCIAL CORPORATION</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>CONDENSED CONSOLIDATED STATEMENTS OF CONDITION</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt"><I>(In thousands, except share and per share data) (Unaudited)</I></FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B>As of</B></FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B>As of</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt"><B>ASSETS</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>9/30/2020</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>12/31/2019</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5pt">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 76%; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Cash and noninterest bearing balances due from banks</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-size: 10pt">22,065&nbsp;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-size: 10pt">136,010&nbsp;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Interest bearing balances due from banks</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">352,674&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,972&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt"><B>Cash and Cash Equivalents</B></FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>374,739&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>137,982&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Available-for-sale debt securities, at fair value (amortized cost of $1,637,255 at September 30, 2020 and $1,293,239 at December 31, 2019)</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,666,766&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,298,587&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Equity securities, at fair value (amortized cost $932 at September 30, 2020 and $915 at December 31, 2019)</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">932&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">915&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Total loans and leases, net of unearned income and deferred costs and fees</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5,398,297&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4,917,550&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Less:&nbsp;&nbsp;Allowance for credit losses</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">52,293&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">39,892&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt"><B>Net Loans and Leases</B></FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>5,346,004&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>4,877,658&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Federal Home Loan Bank and other stock</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">17,919&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">33,695&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Bank premises and equipment, net</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">89,015&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">94,355&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Corporate owned life insurance</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">84,165&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">82,961&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Goodwill</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">92,447&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">92,447&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Other intangible assets, net</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5,211&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6,223&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Accrued interest and other assets</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">117,304&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">100,800&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt"><B>Total Assets</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>7,794,502&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>6,725,623&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt"><B>LIABILITIES</B></FONT></TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Deposits:</FONT></TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Interest bearing:</FONT></TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;Checking, savings and money market</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3,979,253&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3,080,686&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;Time</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">706,401&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">675,014&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Noninterest bearing</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,915,584&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,457,221&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt"><B>Total Deposits</B></FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>6,601,238&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>5,212,921&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Federal funds purchased and securities sold under agreements to repurchase</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">63,573&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">60,346&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Other borrowings</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">285,000&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">658,100&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Trust preferred debentures</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">17,163&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">17,035&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Other liabilities</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">113,917&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">114,167&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt"><B>Total Liabilities</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>7,080,891&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>6,062,569&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt"><B>EQUITY</B></FONT></TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Tompkins Financial Corporation shareholders' equity:</FONT></TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Common Stock - par value $.10 per share: Authorized 25,000,000 shares; Issued: 14,962,162 at September 30, 2020; and 15,014,499 at December 31, 2019</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,496&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,501&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Additional paid-in capital</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">337,329&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">338,507&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Retained earnings</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">402,498&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">370,477&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Accumulated other comprehensive loss</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(23,864)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(43,564)</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Treasury stock, at cost &ndash; 121,868 shares at September 30, 2020, and 123,956 shares at December 31, 2019</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(5,355)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(5,279)</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Total Tompkins Financial Corporation Shareholders&rsquo; Equity</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>712,104&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>661,642&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Noncontrolling interests</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,507&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,412&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt"><B>Total Equity</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>713,611&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>663,054&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: right; padding-right: 5pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><B>Total Liabilities and Equity</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><B>7,794,502&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><B>6,725,623&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 5pt">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 100%; text-align: center"><FONT STYLE="font-size: 10pt">TOMPKINS FINANCIAL CORPORATION</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">CONDENSED CONSOLIDATED STATEMENTS OF INCOME</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt"><I>(In thousands, except per share data) (Unaudited)</I></FONT></TD>
    <TD COLSPAN="6" STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B>Three Months Ended</B></FONT></TD>
    <TD COLSPAN="6" STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B>Nine Months Ended</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-right: 5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>9/30/2020</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>9/30/2019</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>9/30/2020</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>9/30/2019</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">INTEREST AND DIVIDEND INCOME</FONT></TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 52%; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-size: 10pt">57,892&nbsp;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-size: 10pt">57,621&nbsp;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-size: 10pt">169,639&nbsp;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-size: 10pt">169,685&nbsp;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Due from banks</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">83&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">11&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">90&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">31&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Available-for-sale debt securities</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6,035&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6,511&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">20,101&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">22,055&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Held-to-maturity securities</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">862&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2,583&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Federal Home Loan Bank and other stock</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">306&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">770&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,130&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">2,442&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Total Interest and Dividend Income</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>64,316&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>65,775&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>190,960&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>196,796&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">INTEREST EXPENSE</FONT></TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Time certificates of deposits of $250,000 or more</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">755&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">823&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2,458&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2,184&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Other deposits</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3,450&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">7,583&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">13,723&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">20,409&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Federal funds purchased and securities sold under agreements to repurchase</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">19&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">34&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">76&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">110&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Trust preferred debentures</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">216&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">317&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">758&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">974&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1.5pt solid; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Other borrowings</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,623&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">3,862&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">6,357&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">15,731&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Total Interest Expense</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>6,063&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>12,619&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>23,372&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>39,408&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Net Interest Income</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>58,253&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>53,156&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>167,588&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>157,388&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Less:&nbsp;&nbsp;Provision for credit loss expense</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">199&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,320&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">16,145&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">2,366&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt"><B>Net Interest Income After Provision for Credit Loss Expense</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>58,054&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>51,836&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>151,443&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>155,022&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">NONINTEREST INCOME</FONT></TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Insurance commissions and fees</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">8,916&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">8,517&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">24,216&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">24,314&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Investment services income</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4,292&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4,175&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">12,414&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">12,166&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Service charges on deposit accounts</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,444&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2,191&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4,675&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6,210&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Card services income</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2,419&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2,550&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6,885&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">8,090&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Other income</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,818&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,963&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6,388&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6,247&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Net (loss) gain on securities transactions</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">138&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">446&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">434&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Total Noninterest Income</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>18,887&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>19,534&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>55,024&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>57,461&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">NONINTEREST EXPENSE</FONT></TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Salaries and wages</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">23,951&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">22,960&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">69,482&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">66,149&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Other employee benefits</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6,690&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5,821&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18,260&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">17,094&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Net occupancy expense of premises</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3,162&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3,236&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9,530&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">10,095&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Furniture and fixture expense</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,886&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,919&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5,759&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5,894&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Amortization of intangible assets</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">371&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">421&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,120&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,251&nbsp;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Other operating expense</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">10,289&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">11,298&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">34,826&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">35,451&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Total Noninterest Expenses</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>46,349&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>45,655&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>138,977&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>135,934&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Income Before Income Tax Expense</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>30,592&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>25,715&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>67,490&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>76,549&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Income Tax Expense</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">6,330&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">5,478&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">13,779&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">15,816&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>24,262&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>20,237&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>53,711&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>60,733&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Less:&nbsp;&nbsp;Net Income Attributable to Noncontrolling Interests</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">32&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">31&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">101&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">95&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Net Income Attributable to Tompkins Financial Corporation</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>24,230&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>20,206&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>53,610&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>60,638&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5pt"><FONT STYLE="font-size: 10pt">Basic Earnings Per Share</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>1.63&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>1.34&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>3.60&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>3.99&nbsp;</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1.5pt solid; padding-right: 5pt"><FONT STYLE="font-size: 10pt">Diluted Earnings Per Share</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>1.63&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>1.34&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>3.59&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid"><FONT STYLE="font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>3.97&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD></TR>
</TABLE>

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


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="19" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 10pt"><B>Average Consolidated Statements
    of Condition and Net Interest Analysis (Unaudited)</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="19" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>Quarter
    Ended</B></FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>Year to
    Date Period Ended</B></FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>Year to
    Date Period Ended</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>September
    30, 2020</B></FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>September
    30, 2020</B></FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>September
    30, 2019</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt; border-top: Black 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt; border-top: Black 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; border-left: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Average</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt; border-top: Black 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt; border-top: Black 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; border-left: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Average</FONT></TD>
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; border-left: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Average</FONT></TD>
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Balance</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Average</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Balance</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Average</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Balance</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Average</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><I>(Dollar amounts in
    thousands)</I></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Quarter
    Ended</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Interest</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Yield/
    Rate</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Year
    Ended</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Interest</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Yield/
    Rate</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Year
    Ended</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Interest</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Yield/
    Rate</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="border-top: black 1pt solid; border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>ASSETS</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Interest-earning assets</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt">Interest-bearing balances due from banks</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">326,908&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">83&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">0.10</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">111,775</FONT></TD>
    <TD STYLE="padding-left: 2pt"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">90&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">0.11</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2,460</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">31</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1.68</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt">Securities (2)</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">U.S. Government securities</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,332,240&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">5,362</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1.60</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,242,659</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">18,236</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1.96</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,338,807</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">22,990</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2.30</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">State and municipal (3)</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">122,932&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">816</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2.64</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">110,058</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2,225</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2.70</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">93,131</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,903</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2.73</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">Other securities (3)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">3,433&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2.88</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">3,429</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">93</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">3.61</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">3,417</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">120</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">4.70</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">Total securities</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,458,605&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">6,203</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1.69</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,356,146</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">20,554</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2.02</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,435,355</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">25,013</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2.33</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt">FHLBNY and other stock</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">18,319&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">307</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">6.66</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">22,175</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,130</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">6.81</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">42,634</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2,442</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">7.66</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt">Total loans and leases, net of unearned income (3)(4)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">5,400,217&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">58,507</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">4.31</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">5,197,757</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">170,853</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">4.39</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">4,816,140</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">170,540</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">4.73</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt"><B>Total interest-earning assets</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>7,204,049&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>65,100</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>3.59</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>6,687,853</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>192,627</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>3.85</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>6,296,589</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>198,026</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>4.21</B></FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Other assets</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">377,960&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">536,424</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">405,358</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: Black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt"><B>Total assets</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>7,582,009&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>7,224,278</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>6,701,947</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>LIABILITIES &amp;
    EQUITY</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Deposits</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt">Interest-bearing deposits</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">Interest bearing checking, savings &amp; money market</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">3,796,615&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,671</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">0.18</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">3,557,326</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">7,973</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">0.30</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2,962,236</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">14,865</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">0.67</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">Time deposits</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">697,026&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2,534&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1.45</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">693,922&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">8,208&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1.58</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">670,570&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">7,728&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1.54</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">Total interest-bearing deposits</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">4,493,641&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">4,205</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">0.37</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">4,251,248</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">16,181</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">0.51</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">3,632,806</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">22,593</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">0.83</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="vertical-align: top; border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Federal
    funds purchased &amp; securities sold under</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">agreements to repurchase</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">47,527&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">19</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">0.16</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">54,481</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">76</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">0.19</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">61,482</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">110</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">0.24</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Other borrowings</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">303,587&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,623</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2.13</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">397,511</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">6,357</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2.14</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">861,930</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">15,731</FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">2.44</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Trust preferred debentures</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">17,135&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">216</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">5.02</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">17,093</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">758</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">5.92</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">16,921</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">974</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt">7.70</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt"><B>Total interest-bearing liabilities</B></FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>4,861,890&nbsp;</B></FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>6,063</B></FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>0.50</B></FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>4,720,332</B></FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>23,372</B></FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>0.66</B></FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>4,573,139</B></FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>39,408</B></FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>1.15</B></FONT></TD>
    <TD STYLE="border-right: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Non-interest bearing
    deposits</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,897,999&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,699,317</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,380,399</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Accrued expenses and
    other liabilities</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">112,636&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">111,643</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">101,483</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt"><B>Total liabilities</B></FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">6,872,525&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">6,531,292</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">6,055,021</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Tompkins Financial Corporation
    Shareholders&rsquo; equity</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">707,996&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">691,530</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">645,466</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Noncontrolling interest</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,488&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,456</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">1,460</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt"><B>Total equity</B></FONT></TD>
    <TD STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>709,484&nbsp;</B></FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>692,986</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>646,926</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt"><B>Total liabilities and equity</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>7,582,009&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>7,224,278</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>6,701,947</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Interest rate spread</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>3.10</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>3.19</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>3.05</B></FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 8pt">Net interest income/margin on earning assets</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>59,037</B></FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>3.26</B></FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>169,255</B></FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>3.38</B></FONT></TD>
    <TD STYLE="text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>158,618</B></FONT></TD>
    <TD STYLE="text-align: right; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>3.37</B></FONT></TD>
    <TD STYLE="border-right: black 1pt solid; text-align: left; padding-right: 2pt"><FONT STYLE="font-size: 8pt"><B>%</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="border-left: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt">Tax equivalent adjustments</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>(784)</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>(1,667)</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>(1,230)</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-size: 8pt">Net interest income per consolidated financial
    statements</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>$</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>58,253&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>$</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>167,588&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>$</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt"><B>157,388&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="width: 1%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 24%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 8%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 8%; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 8%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 8%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; padding-left: 2pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 2pt; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0 0">&nbsp;</P>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></P></DIV>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Tompkins Financial Corporation - Summary Financial Data (Unaudited)</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><I>(In thousands, except per share data)</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; border-right: black 1pt solid; padding: 1pt 0 1pt 1pt">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Quarter-Ended</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Year-Ended</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><B>Period End Balance Sheet</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">Sep-20</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">Jun-20</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">Mar-20</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">Dec-19</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">Sep-19</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">Dec-19</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt">Securities</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,667,698&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,336,087&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,353,567&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,299,502&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,282,026&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,299,502&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; border-right: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Total Loans</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">5,398,297&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">5,424,285&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4,937,822&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4,917,550&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4,857,073&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4,917,550&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Allowance for credit losses</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">52,293&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">52,082&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">52,404&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">39,892&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">41,371&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">39,892&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Total assets</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">7,794,502&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">7,582,056&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,743,114&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,725,623&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,627,982&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,725,623&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Total deposits</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,601,238&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,377,521&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">5,409,363&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">5,212,921&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">5,369,990&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">5,212,921&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Federal funds purchased and securities sold under agreements to repurchase</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">63,573&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">50,889&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">68,993&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">60,346&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">50,541&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">60,346&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Other borrowings</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">285,000&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">325,000&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">457,983&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">658,100&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">429,000&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">658,100&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Trust preferred debentures</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">17,163&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">17,120&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">17,078&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">17,035&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">16,992&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">17,035&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Total common equity</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">712,104&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">696,553&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">681,153&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">661,642&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">658,358&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">661,642&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Total equity</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">713,611&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">698,029&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">682,597&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">663,054&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">659,865&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">663,054&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
</TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><B>Average Balance Sheet</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt">Average earning assets</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">7,204,049&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,616,079&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,237,773&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,188,442&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,203,078&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,268,440&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; border-right: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Average assets</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">7,582,009&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">7,413,945&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,672,948&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,613,202&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,621,412&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,679,578&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Average interest-bearing liabilities</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4,861,890&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4,825,753&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4,471,797&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4,374,572&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4,415,079&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4,523,088&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Average equity</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">709,484&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">690,475&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">678,817&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">664,441&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">659,650&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">651,341&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
</TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><B>Share data</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Weighted average shares outstanding (basic)</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,697,532&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,681,956&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,718,948&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,726,023&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,827,114&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,907,057&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Weighted average shares outstanding (diluted)</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,727,741&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,714,848&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,774,269&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,790,503&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,887,626&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,973,951&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Period-end shares outstanding</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,926,252&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,914,458&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,907,947&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,978,589&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,975,750&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14,978,589&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 40%; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt">Common equity book value per share</FONT></TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: Black 1pt solid; padding: 1pt 0; text-align: right; border-top: Black 1pt solid"><FONT STYLE="font-size: 10pt">47.71&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">46.70&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">45.69&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">44.17&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">43.96&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">44.17&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Tangible book value per share (Non-GAAP)**</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">41.23&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">40.19&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">39.15&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">37.64&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">37.40&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">37.64&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD COLSPAN="19" STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><I>** See &quot;Non-GAAP measures&quot; below for a discussion of non-GAAP financial measures and a reconciliation of non-GAAP financial measures to the most directly comparable financial measures presented in accordance with GAAP.</I></FONT></TD></TR>
</TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><B>Income Statement</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt">Net interest income</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">58,253&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">56,366&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">52,969&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">53,240&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">53,156&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">210,628&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; border-right: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Provision (credit) for credit loss expense</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">199&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">(348)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">16,294&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">(1,000)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,320&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,366&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Noninterest income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">18,887&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">17,177&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">18,960&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">17,972&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">19,534&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">75,433&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Noninterest expense</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">46,349&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">46,888&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">45,740&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">45,900&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">45,655&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">181,834&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Income tax expense</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,330&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">5,540&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,909&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">5,200&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">5,478&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">21,016&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Net income attributable to Tompkins Financial Corporation</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">24,230&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">21,431&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">7,949&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">21,080&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">20,206&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">81,718&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Noncontrolling interests</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">32&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">32&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">37&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">32&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">31,000&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">127&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Basic earnings per share (5)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.63&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.44&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.53&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.41&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.34&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">5.39&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Diluted earnings per share (5)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.63&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.44&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.53&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.40&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.34&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">5.37&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
</TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><B>Nonperforming Assets</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt; width: 40%"><FONT STYLE="font-size: 10pt">Nonaccrual loans and leases</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">26,944&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">23,183&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">23,556&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">24,281&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">23,568&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">24,281&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Loans and leases 90 days past due and accruing</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Troubled debt restructuring not included above</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,864&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,988&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">7,137&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">7,154&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">6,528&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">7,154&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Total nonperforming loans and leases</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">33,808&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">30,171&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">30,693&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">31,435&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">30,096&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">31,435&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">OREO</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">196&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">274&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">466&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">428&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">888&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">428&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Total nonperforming assets</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">34,004&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">30,445&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">31,159&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">31,863&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">30,984&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">31,863&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Tompkins Financial Corporation - Summary Financial Data (Unaudited)
- continued</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: bottom; padding: 1pt 0 1pt 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1pt solid; border-bottom: Black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Quarter-Ended</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt"><B>Year-Ended</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><B>Delinquency - Total loan
    and lease portfolio</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">Sep-20</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">Jun-20</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">Mar-20</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">Dec-19</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">Sep-19</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">Dec-19</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Loans and leases 30-89 days past due and</FONT></TD>
    <TD STYLE="border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt">accruing</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">6,875&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">8,352&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">9,328&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">3,724&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">3,519&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">3,724&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; border-right: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Loans and leases 90 days past due and accruing</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">794&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">1,219&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">794&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Total loans and leases past due and accruing</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">6,875&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">8,352&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">9,328&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">4,518&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">4,738&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">4,518&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 1pt; padding-right: 0; padding-bottom: 1pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="19" STYLE="border-bottom: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><B>Allowance for Credit Losses*</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt; width: 40%"><FONT STYLE="font-size: 10pt">Balance at beginning of period</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">52,082&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">52,404&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">39,892&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">41,371&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">40,790&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">43,410&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Impact of adopting ASC 326</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">(2,534)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Provision (credit) for credit losses</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">199&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">(348)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">16,294&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">(1,000)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,320&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,366&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Net loan and lease (recoveries) charge-offs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">(12)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">(26)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1,248&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">479&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">739&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4,884&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Allowance for credit losses at end of period</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">52,293&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">52,082&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">52,404&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">39,892&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">41,371&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">39,892&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD COLSPAN="19" STYLE="padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">*<I>CECL was adopted January 1, 2020.&nbsp;&nbsp;Prior periods reflect the allowance for credit losses for loans under the incurred loss methodology.</I></FONT></TD></TR>
</TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><B>Loan Classification - Total Portfolio</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt; width: 40%"><FONT STYLE="font-size: 10pt">Special Mention</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">122,652&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">44,741&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">37,121&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">29,800&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">41,575&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0; text-align: center; width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">29,800&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Substandard</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">45,384&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">48,046&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">52,894&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">60,499&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">61,682&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">60,499&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Ratio Analysis</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><B>Credit Quality</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt">Nonperforming loans and leases/total loans and leases (6)</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.63</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.56</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.62</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.64</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.62</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.64</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; border-right: black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Nonperforming assets/total assets</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.44</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.40</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.46</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.47</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.47</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.47</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Allowance for credit losses/total loans and leases</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.97</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.96</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.06</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.81</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.85</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.81</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Allowance/nonperforming loans and leases</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">154.68</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">172.62</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">170.74</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">126.90</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">137.46</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">126.90</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Net loan and lease losses annualized/total average loans and leases</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.10</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.04</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.06</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.10</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD></TR>
</TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><B>Capital Adequacy</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt">Tier 1 Capital (to average assets)</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">8.85</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">8.79</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">9.53</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">9.61</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">9.43</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">9.61</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; border-right: black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Total Capital (to risk-weighted assets)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">14.26</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">13.95</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">13.62</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">13.53</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">13.36</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">13.53</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD></TR>
</TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><B>Profitability (period-end)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 1pt 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt">Return on average assets *</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.27</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.16</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">0.48</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.26</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.21</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="width: 1%; border-left: black 1pt solid; padding: 1pt 0; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">1.22</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid; padding: 1pt 0; border-right: black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Return on average equity *</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">13.59</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">12.48</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">4.71</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">12.59</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">12.15</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">12.55</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt">Net interest margin (TE) *</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">3.26</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">3.45</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">3.44</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">3.44</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">3.43</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1pt 0; text-align: right"><FONT STYLE="font-size: 10pt">3.39</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 0; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 1pt 0 1pt 1pt"><FONT STYLE="font-size: 10pt"><I>** Quarterly ratios have been annualized</I></FONT></TD>
    <TD STYLE="padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0">&nbsp;</TD>
    <TD STYLE="padding: 1pt 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 1pt 0">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tompkins
Financial Corporation - Summary Financial Data (Unaudited) - continued</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Non-GAAP
Measures</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
press release contains financial information determined by methods other than in accordance with U.S. generally accepted accounting
principles (GAAP). Where non-GAAP disclosures are used in this press release, the comparable GAAP measure, as well as reconciliation
to the comparable GAAP measure, is provided in the below tables. The Company believes the non-GAAP measures provide meaningful
comparisons of our underlying operational performance and facilitate management&rsquo;s and investors&rsquo; assessments of business
and performance trends. These non-GAAP financial measures should not be considered in isolation or as a measure of the Company&rsquo;s
profitability or liquidity; they are in addition to, and are not a substitute for, financial measures under GAAP. The non-GAAP
financial measures presented herein may be different from non-GAAP financial measures used by other companies, and may not be
comparable to similarly titled measures reported by other companies. Further, the Company may utilize other measures to illustrate
performance in the future. Non-GAAP financial measures have limitations since they do not reflect all of the amounts associated
with the Company&rsquo;s results of operations as determined in accordance with GAAP.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Reconciliation
of Net Income Attributable to Tompkins Financial Corporation (GAAP) to Net Operating Income Available to Common Shareholders (Non-GAAP)
and Reconciliation of Diluted Earnings Per Share (GAAP) to Adjusted Diluted Earnings Per Share (Non-GAAP)&nbsp;</B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-top: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="18" STYLE="white-space: nowrap; font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid; border-top: Black 1pt solid">Quarter-Ended</TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; border-top: Black 1pt solid">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-top: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid; border-top: Black 1pt solid">Year-Ended</TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; border-top: Black 1pt solid; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sep-20</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Jun-20</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mar-20</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dec-19</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sep-19</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dec-19</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 28%; font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Net income available to common shareholders</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">24,230</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">21,431</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">7,949</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">21,081</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">20,206</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">81,718</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Less: income attributable to unvested stock-based compensations awards</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">278</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">251</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">99</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">334</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">317</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,306</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Net earnings allocated to common shareholders (GAAP)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">23,952</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">21,180</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">7,850</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">20,747</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">19,889</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">80,412</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Diluted earnings per share (GAAP)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-left: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">1.63</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-left: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">1.44</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-left: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">0.53</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-left: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">1.40</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-left: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">1.34</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-left: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">5.37</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Adjustments for non-operating income and expense:</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;Write-down of real estate pending sale</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">673</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Total Adjustments</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">673</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Tax (benefit) expense</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(165</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Total adjustments, net of tax</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">508</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Net operating income available to common shareholders (Non-GAAP)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">23,952</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">21,688</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">7,850</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">20,747</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">19,889</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">80,412</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Weighted average shares outstanding (diluted)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,727,741</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,714,848</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,774,269</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,790,503</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,887,626</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,973,951</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
    diluted earnings per share (Non-GAAP)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.63
                                         </FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.47</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.53</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.40</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.34</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.37</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-top: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="white-space: nowrap; font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid; border-top: Black 1pt solid">Year-to-Date</TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; border-top: Black 1pt solid; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sep-20</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sep-19</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 70%; font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">Net income available to common shareholders</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 12%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">53,610</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 12%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">60,638</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">Less: income attributable to unvested stock-based compensation awards</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">628</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">972</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">Net earnings allocated to common shareholders (GAAP)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">52,982</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">59,666</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">Diluted earnings per share (GAAP)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">3.59</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">3.97</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">Adjustments for non-operating income and expense:</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">&nbsp;Write-down of real estate pending sale</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">673</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">Tax (benefit) expense</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(165</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">Total adjustments, net of tax</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">508</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">Net operating income available to common shareholders (Non-GAAP)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">53,490</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">59,666</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">Weighted average shares outstanding (diluted)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,738,921</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">15,035,780</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: -0.125in">Adjusted diluted earnings per share (Non-GAAP)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">3.63</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">3.97</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tompkins
Financial Corporation - Summary Financial Data (Unaudited) - continued</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Reconciliation
of Common Equity Book Value Per Share (GAAP) to Tangible Book Value Per Share (non-GAAP)&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-top: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="18" STYLE="white-space: nowrap; font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid; border-top: Black 1pt solid">Quarter-Ended</TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; border-top: Black 1pt solid">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-top: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid; border-top: Black 1pt solid">Year-Ended</TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; border-top: Black 1pt solid; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sep-20</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Jun-20</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mar-20</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dec-19</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sep-19</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dec-19</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 28%; font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Total common equity</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">712,104</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">696,553</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">681,153</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">661,642</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">658,358</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 9%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">661,642</TD><TD STYLE="width: 1%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Less: Goodwill and intangibles (7)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">96,735</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">97,107</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">97,481</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">97,855</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">98,277</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">97,855</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Tangible common equity (Non-GAAP)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">615,369</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">599,446</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">583,672</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">563,787</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">560,081</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">563,787</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Ending shares outstanding</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,926,252</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,914,458</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,907,947</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,978,589</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,975,750</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14,978,589</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Tangible book value per share (Non-GAAP)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">41.23</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">40.19</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">39.15</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">37.64</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">37.40</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">37.64</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; border-right: Black 1pt solid">&nbsp;</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>(1)
Federal Reserve peer ratio as of June 30, 2020 the most recent data available, includes banks and bank holding companies with
consolidated assets between $3 billion and $10 billion.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>(2)
Average balances and yields on available-for-sale securities are based on historical amortized cost.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>(3)
Interest income includes the tax effects of taxable-equivalent basis.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>(4)
Nonaccrual loans are included in the average asset totals presented above. Payments received on nonaccrual loans have been recognized
as disclosed in Note 1 of the Company&rsquo;s consolidated financial statements included in Part I of the Company&rsquo;s annual
report on Form 10-K for the fiscal year ended December 31, 2019. </I>&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>(5)
Earnings per share year-to-date may not equal the sum of the quarterly earnings per share as a result of rounding of average shares</I>&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>(6)
Certain acquired loans and leases that are past due are not on nonaccrual and are not included in nonperforming loans. The risk
of credit loss on these loans has been considered by virtue of the Company&rsquo;s estimate of acquisition-date fair value and
these loans are considered accruing as the Company primarily recognizes interest income through accretion of the difference between
the carrying value of these loans and their expected cash flows. </I>&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>(7)
&ldquo;Goodwill and intangibles&rdquo; as shown in the above tables, equal total intangible assets less mortgage servicing rights.</I></FONT></P>

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


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<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>ex99-2.htm
<DESCRIPTION>PRESS RELEASE OF TOMPKINS FINANCIAL CORPORATION DATED OCTOBER 23, 2020
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

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

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><A HREF="tmp-8k_102320.htm">Tompkins Financial Corporation 8-K</A></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>EXHIBIT
99.2</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: Red"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><IMG SRC="ex992001.jpg" ALT="">&nbsp;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>For
more information contact:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stephen
S. Romaine, President &amp; CEO</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Francis
M. Fetsko, Executive VP, CFO &amp; COO</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tompkins
Financial Corporation (888) 503-5753</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Friday,
October 23, 2020</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Tompkins
Financial Corporation Reports Cash Dividend</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B>ITHACA,
NY - Tompkins Financial Corporation (NYSE American:TMP)</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tompkins
Financial Corporation announced today that its Board of Directors approved payment of a regular quarterly cash dividend of $0.54
per share, payable on November 13, 2020, to common shareholders of record on November 3, 2020. The current dividend represents
a 3.8% increase over the $0.52 cash dividend paid in the third quarter of 2020.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tompkins
Financial Corporation is a financial services company serving the Central, Western, and Hudson Valley regions of New York and
the Southeastern region of Pennsylvania. Headquartered in Ithaca, NY, Tompkins Financial is parent to Tompkins Trust Company,
Tompkins Bank of Castile, Tompkins Mahopac Bank, Tompkins VIST Bank, Tompkins Insurance Agencies, Inc., and offers wealth management
services through Tompkins Financial Advisors. For more information on Tompkins Financial, visit <FONT><U>www.tompkinsfinancial.com</U></FONT>.</FONT></P>

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


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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>8
<FILENAME>tmp-20201023_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
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<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) {
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139875364964152">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Oct. 23, 2020</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">Oct. 23,  2020<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">1-12709<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_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Tompkins Financial Corporation<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_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001005817<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">16-1482357<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_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</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_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">P.O.
    Box 460<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_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Ithaca<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_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">14851<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_CityAreaCode', window );">City Area Code</a></td>
<td class="text">607<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_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">273-3210<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_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<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, $0.10 par value<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_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">TMP<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_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSEAMER<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>
</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 YYYY-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>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
